Arizona coverage
Auto Insurance
Coverage for daily drivers, commuters, and weekend cruisers.
What's covered
Arizona roads throw a lot at you. Monsoon storms, I-10 traffic, dust on the 202. We shop dozens of carriers to build auto coverage that fits how you actually drive.
- LiabilityRequired by Arizona law. Pays for injuries or property damage you cause to someone else in an at-fault accident. Doesn't cover your car or your own injuries. Those are separate coverages below.
- CollisionRepairs or replaces your car after a crash with another vehicle or object, whether it's your fault or not. Includes rollovers.
- ComprehensiveCovers theft, vandalism, fire, hail, animal strikes, monsoon dust and wind damage, and even flood damage to your vehicle. Everything that isn't a collision.
- Uninsured/Underinsured Motorist (UM/UIM)If a driver with no insurance or not enough insurance hits you, this covers your medical bills, lost wages, and pain and suffering. Especially important in Arizona, where the uninsured driver rate runs above the national average.
- Medical PaymentsPays medical bills for you and your passengers after an accident, regardless of fault. Fast payout with no waiting on a liability determination.
- Roadside & RentalRoadside covers towing, jump starts, lockouts, and flat tire changes. Rental reimbursement pays for a rental car while yours is being repaired after a covered loss.
Not sure what you need?
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Common questions
Auto Insurance FAQ
- What is the minimum auto insurance required in Arizona?
- Arizona requires 25/50/15 liability minimums: $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. Most drivers should carry more. We help you pick limits that actually protect your assets.
- Do I need uninsured motorist coverage in Arizona?
- It is not required, but Arizona has one of the highest uninsured driver rates in the country. Uninsured/Underinsured motorist coverage pays your bills when the at-fault driver cannot, so we strongly recommend it.
- Will comprehensive cover monsoon hail and dust damage?
- Yes. Comprehensive coverage covers hail, flooding, wind-blown debris, and dust storm damage, all common risks on Arizona roads.
- How quickly can I get an auto quote?
- Most drivers get a real quote within one business day after submitting the form. A licensed Arizona agent shops multiple carriers before we send numbers back.
- Do you write policies outside Arizona?
- We're a licensed independent agency based in Gilbert, Arizona, and we focus on Arizona residents. If you're moving to or from Arizona, contact us. We can point you to a trusted partner.