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Get Auto Insurance Coverage in Arizona

Here at Infinity, one of our jobs is to make sure your Arizona auto insurance policy aligns with the states' minimum required coverage. Below we've outlined some of the coverage details required by Arizona state laws.

Some drivers opt for full coverage to ensure they are adequately covered in the event of an accident. Arizona requires the following auto insurance coverages:

  • Bodily Injury Liability Coverage: $15,000 per person/$30,000 per accident
  • Property Damage Liability Coverage: $10,000
  • Uninsured Motorist Bodily Injury Coverage: $15,000 per person/$30,000 per accident (unless you reject this coverage)
  • Underinsured Motorist Bodily Injury Coverage: $15,000 per person/$30,000 per accident (unless you reject this coverage)

Still not sure about the state’s minimum requirements? For more information on the auto insurance laws surrounding Arizona or if you have any other questions give us a call!



What factors determine my auto insurance rates in Arizona?

For Auto insurance in Arizona, there are several factors that impact your insurance rates. Some factors include:

  • Your driving record
  • Vehicle make/model/year
  • Your location
  • Number of licensed drivers in your household
  • Driving history of additional drivers
  • Vehicle Year and Make

Is Arizona a No-Fault insurance state?

In 2017 ADOT or the Arizona Department of Transportation reported a total of 127,064 motor-vehicle accidents. Arizona is considered an 'at-fault' state, meaning the law requires the at-fault motorist to pay for damages. Auto insurance companies in Arizona are responsible for covering any medical expenses or property damage the at-fault driver may have incurred.

Additionally, Arizona follows comparative negligence guidelines, which is capable of holding both parties partially responsible for an auto accident. If one of the drivers is entirely at fault then this doesn't apply, but when both motorists share the fault in the accident the procedure is slightly different. The fault is determined by way of percentage: If driver A was found 60% responsible for the accident and driver B was found 40% responsible, driver A's insurance company will cover up to 60% of all of Driver B's expenses and damages.

If the at-fault driver isn't insured or their policy isn't enough to cover damages, the injured motorist can use an Uninsured Motorist or Underinsured Motorist policy (If they have one) to make up for any gaps in coverage.

Are Arizona residents eligible for insurance discounts?

The answer is yes! Residents of the Grand Canyon state will be happy to know there are several discounts available to you. Your Local Arizona Infinity agent can explain all the discounts available and review your eligibility. Some of those discounts include:

  • Multi-car discounts - Save up to 38% when you insure multiple vehicles with Infinity.
  • Safe driver discount - Staying accident-free pays off. Save up to 25% on your policy for having a clean driving record.
  • Paid in full discount - Prepay your policy in full and save an additional 15%.
  • Electronic payment discount - Set-up monthly auto payments and save.
  • Switch and Save discount - Tired of your current insurance company? Make the switch to Infinity and save up to 15%.

What About the Perks?

When you choose Infinity as your auto insurance company, we want you to be happy with your insurance policy. One of the ways we make that happen is by offering “extras,” such as Infinity Driver’s Club and 24-hour roadside assistance. There is no membership fee, and you only pay per use! Infinity Driver club members can use the roadside assistance feature even as a passenger in a vehicle.

Our members gain access to an Infinity authorized repair shops and tow facilities, which have been pre-screened for quality and affordability.

In addition to our DriverClub we offer a bilingual children’s library to promote bilingual literacy and competence.

And don’t miss our Knowledge Center Blog: It's one of the best places to watch entertaining videos and read about interesting topics.

Learn useful life skills like how to check your tire pressure, change a flat tire, fix a cracked windshield, and so much more!

Get a Free Arizona Auto Insurance Quote

Ready to start your car insurance quote? Our Infinity representatives are ready to help. Call us now at 1-800-Infinity to get started or click below to contact one of our Arizona auto insurance agents for a quote. In most cases, we can have a quote ready for you in less than 5 minutes.

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This material is for general informational purposes only. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability.