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Arizona Insurance

Arizona Insurance

Smarter Arizona insurance coverage—made for Phoenix freeways, mountain drives, dust storms, and year-round road trips.

Rather speak with an insurance agent? Call us: (877) 334-7646

Start Your Coverage in Arizona

Shopping for Arizona insurance? We make it simple and affordable. Compare rates from top carriers, choose the coverage you need, and get instant proof—online or with an Arizona-licensed agent.

  • Compare multiple quotes in minutes
  • Only pay for what you need—auto, home, and more
  • Instant ID cards to keep your registration current
  • Bundle & save with home + auto + umbrella
  • Options for snowbirds and seasonal homes

Arizona Personal Insurance

Arizona Car Insurance

Auto

Compare Arizona auto insurance coverage in just minutes.
Arizona Home Insurance

Home

Protect your home from fire, theft, liability—and navigate carrier availability.
Arizona boat Insurance

Boat

Arizona Boat insurance that protects you and your passengers.
Arizona Motorcycle Insurance

Motorcycle

Coverage built for Arizona riders and year-round riding weather.
Classic Car Insurance

Classic Car

Protect your classic with agreed value, flexible use, and coverage for spare parts and restoration.

RV Insurance

Recreation

From local lakes to the coast—protect your craft and passengers.

Arizona: What to Know

  • State minimums. Arizona’s auto liability minimums are $25,000/$50,000/$15,000—many drivers choose higher limits for better protection. See details on our Arizona Auto Insurance page.
  • At-fault system & uninsured drivers. Arizona uses a fault system. Adding Uninsured/Underinsured Motorist coverage can help if the other driver has little or no coverage.
  • Proof of insurance. Digital ID cards are accepted, and the state checks coverage electronically—keep your policy active to avoid registration headaches.
  • Home risks. Monsoon wind/hail are typically covered, but flood from rising water is not; consider separate flood protection. Wildfire exposure varies by area—review limits and deductibles.
  • Discounts & bundles. Save when you combine home + auto, insure multiple vehicles, or enroll in safe-driver/telematics and good-student programs.

Arizona Business Insurance

Arizona Business Owner's Policy

Business Owner’s Policy

Arizona businesses can bundle property & liability in one cost-effective policy.

Arizona General Liability

General Liability Insurance

Core protection for injuries, property damage, and advertising injury.

Arizona Compensation Insurance

Workers’ Compensation

State-required coverage to protect your team and your business.

Arizona Commercial Auto

Commercial Auto Insurance

From service vehicles to small fleets, keep your business moving.

Arizona Cyber Liability Insurance

Cyber Liability Insurance

Help manage the cost and fallout from cyber incidents.

E&O Liability Insurance

Professional Liability Insurance

Covers claims of errors or omissions in professional services.

Arizona Business Insurance Quote

Get an Arizona Insurance Quote

Compare Arizona insurance quotes and rates. We make it fast, safe, and secure.

Call 1-877-334-7646 to speak with a business specialist

Arizona Insurance FAQs

Is car insurance required in Arizona?

Yes. Arizona law requires liability coverage to drive legally. We recommend higher limits plus UM/UIM and medical payments; see our Arizona Car Insurance page for details.

Does my homeowners policy cover monsoon wind, flood, and wildfire?

Wind/hail and wildfire are typically covered (subject to deductibles). Flood is excluded—you need a separate flood policy (NFIP or private).

Do I need special insurance to drive into Mexico from Arizona?

Yes. Mexico requires liability insurance from a Mexican insurer; your U.S. policy isn’t recognized. Purchase Mexico tourist auto insurance before you go.

How are windshield (glass) claims handled in Arizona?

Comprehensive coverage applies to glass damage. Many insurers offer an optional “full glass” endorsement with a $0 deductible for repairs or replacement.

When is workers’ compensation insurance required in Arizona?
If you have at least one employee, you generally must carry workers’ comp. Sole proprietors with no employees are usually exempt.
What happens after an at-fault accident in Arizona?
Arizona is an at-fault state that uses comparative negligence, so responsibility can be shared. Adequate liability limits and UM/UIM help protect you.
What is an SR-22 and when would I need one?
An SR-22 is a filing that proves you carry required liability after certain violations or license actions. The MVD sets the filing period; we can help file it.