Arizona Car Insurance
Hiking in Sedona or heading to a spring training game in Scottsdale? Get covered with Lemonade car insurance in Arizona—the smart choice for drivers in the Grand Canyon State.
How much does car insurance
cost in Arizona?
The average estimated cost of Lemonade car insurance in Arizona ranges from roughly $980 to $1,020 per month*. You’ll pay a different price each month; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
How can I get cheaper car
insurance in Arizona?
Lemonade offers Arizona drivers loads of opportunities
to help lower your car insurance rates.
Low-mileage savings
Lemonade drivers determine how much they save each month based on how many miles they actually drive.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Arizona?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Arizona?
To meet Arizona car insurance coverage requirements, drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Arizona drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000(per person)/ $50,000 (per accident) |
| Property damage liability | $15,000 |
What additional car insurance coverages does Lemonade offer in Arizona?
Consider adding collision, comprehensive, and uninsured motorist coverage to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreExtended glass coverage
Can help cover the costs to replace your windshield, your sunroof, and your backglass—with a $0 deductible.
Read moreArizona car insurance FAQs
What happens if I don’t have the minimum coverage required by Arizona?
If you don’t meet Arizona’s minimum coverage requirements, you could face fines of $500 or more, suspension of your license and registration, and be required to carry SR-22 insurance for 2 years.
Can I use digital proof of insurance in Arizona?
Yes, Arizona allows drivers to present digital proof of insurance using a smartphone or other electronic device. This digital alternative is accepted during traffic stops and when registering your vehicle.
What coverage is recommended for drivers in Arizona given the weather conditions?
In Arizona, comprehensive coverage is arguably a good choice to protect against weather-related incidents like dust storms and flash floods. Collision coverage is also advisable to cover damages from accidents that might occur due to reduced visibility during such weather events.
How can I lower my car insurance premium in Arizona?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, and considering bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Arizona that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
Is car insurance more expensive in urban areas of Arizona?
Yes, car insurance tends to be more expensive in urban areas like Phoenix or Scottsdale due to higher traffic density and increased risk of accidents.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
Continue Reading
Pay Per Mile Car Insurance, Explained
Spend less time behind the wheel than the average driver? A pay per mile policy could be a great fit.
Car Insurance Rates for Your Exact Make and Model
Find the best insurance for your car and your wallet
Full Coverage Car Insurance
Let’s break down what it really means to have full coverage car insurance.
How Much Does Car Insurance Cost?
Car insurance costs vary based on factors like your age, driving history, location, and coverage needs. Here’s what to expect.
Talking Telematics
Real-time driving behavior = the fairest insurance premiums imaginable
What Does Car Insurance Cover?
Get the coverage you need, and hit the road with confidence.