Arizona auto insurance
Arizona requires 25/50/15 liability — raised from 15/30/10 in 2020, which means a policy written before that is a different policy from one written since.
- Monday – Friday: 6:00 AM – 7:00 PM Pacific Time9:00 AM – 10:00 PM Eastern Time
- Saturday: 6:00 AM – 5:00 PM Pacific Time9:00 AM – 8:00 PM Eastern Time
Three reasons Arizona drivers re-shop their auto policy
- 1
The minimum changed and a lot of policies still look like the old one
Arizona moved from 15/30/10 to 25/50/15 in 2020. If you have carried the same policy since before then, the limits are no longer the state floor you remember. Check the declaration page. Property damage at $15,000 is still low against what a late-model vehicle costs to repair on Loop 101.
- 2
Monsoon season produces claims the policy treats differently
Between mid-June and the end of September, haboobs, microbursts and hail arrive together. Hail on a parked car is comprehensive. A microburst dropping a tree or a carport onto it is comprehensive. A collision in near-zero dust visibility is collision. Different deductibles, and a liability-only policy pays for none of the first two.
- 3
Heat, sun and uninsured drivers are all Arizona-specific
Sun destroys clear coat, dashboards and tires faster here than anywhere, and none of that is a claim — it is wear. What is a claim is the uninsured driver, and Arizona reports one of the higher uninsured-motorist rates in the country. Uninsured and underinsured motorist coverage is optional here and is the thing most people find they declined.
Dust storms and the rule that actually matters
Arizona’s guidance in a dust storm is to pull fully off the roadway, stop, take your foot off the brake and turn your lights off so the car behind does not follow your tail lights into you. Collisions in a haboob happen in chains, and fault gets complicated. From an insurance point of view the relevant part is simple: that is a collision claim, and the uninsured motorist coverage you declined is what would have answered if the other driver has nothing.
Windshields, gravel and the glass question
Desert gravel, construction on the valley freeways and I-10 truck traffic produce windshield damage on a scale that surprises people. Many carriers sell a glass endorsement with a reduced or waived deductible, and in Arizona it is worth pricing by name rather than assuming the policy already includes it.
Rideshare, delivery and the snowbird vehicle
A personal auto policy generally stops covering you the moment you log into a driving app. Phoenix and Tucson have a great deal of app driving, and this is the most common omission on an application. Separately: if a vehicle sits parked and unused for months while you are out of state, say that too — there are better options than paying full coverage on a car nobody is driving, and there are worse ones than keeping comprehensive on it during monsoon season.
Have these ready when you call
Five minutes on the phone goes faster with the paperwork in front of you.
- Year, make, model and VIN for every vehicle
- Driver license numbers for everyone who will drive
- Your current declaration page, in case you are still at the pre-2020 limits
- The exact date your current policy ends, so the new one starts without a gap
- Where each vehicle parks — garage, carport or open driveway
- Annual mileage and the one-way commute distance
- Whether any vehicle is used for rideshare or delivery, or sits unused for months
Frequently asked questions
What is the minimum car insurance in Arizona?
Liability of at least $25,000 per injured person, $50,000 per accident and $15,000 for property damage — written 25/50/15. Arizona raised these from 15/30/10 in 2020, so an older policy may not match what you assume.
Is hail damage to my car covered?
Hail is covered under comprehensive, not collision, and comprehensive carries its own deductible. A liability-only policy does not cover it, which matters during monsoon season.
Is uninsured motorist coverage required in Arizona?
No, it is optional, though it must be offered to you. Given Arizona’s uninsured-driver rate it is worth pricing rather than declining out of habit.
Does my policy cover sun damage to the paint and dashboard?
No. Sun and heat deterioration is wear rather than a sudden covered loss. A carport or a garage is the only real answer, and it may also lower the premium.
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