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Find an Arizona agent | Auto insurance | View all states | Arizona auto coverageAuto links
From horizon-spanning desert highway to winding routes through mountainous greenery, the driving experience in Arizona is as varied as any state in the country. But whether your daily travels take you past saguaro cacti or lush evergreens, it's important to keep your vehicle protected. Nationwide offers flexible, reliable coverage options built to fit your needs. No matter what part of The Copper State you call home, you can depend on auto coverage from Nationwide to keep yourself and your vehicle safe.
Take advantage of Nationwide's features
Nationwide makes it easy for you to find dependable auto insurance in Arizona. We can show you options so you can choose the coverage that's right for your needs, goals and budget. Explore the features below to learn more about what we can offer you:
- document iconOn Your Side® Claims ServiceChoose a shop in our network to get a written guarantee on repairs for as long as you own your vehicle.1
- Arrow IconDiscounts helping you saveWe offer many ways to help lower your auto insurance rates. See the many ways you can save with qualifying discounts.
- People IconOn Your Side® ReviewEnjoy a free consultation with an agent who's here to help you get the protection you need at the price that's right for you.
- laptop and cell phone iconResources at your fingertipsMake payments, print ID cards, report claims and more, quickly and easily online. We even have a mobile app for on-the-go account access.
Arizona car insurance discounts
Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:
When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life. SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2 Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students. This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.Multi-policy
SmartRide® program
Good student
Defensive driving
If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required. It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount. Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account. When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.Anti-theft
Safe driver
Automatic payments
Accident free
Save up to 20% when you bundle home and car insurance with Nationwide.
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As a resident of Arizona, you are required to carry car insurance and purchase coverage before you register your vehicle. Insurance coverage and cost may also vary depending on where within the state you live. Before you get started, here are some important factors to keep in mind: Young drivers are eager to get out on the road and experience that kind of freedom for the first time in their lives. To ensure safety on the road for everyone, it’s important to become familiar with the laws for new drivers in Arizona. New drivers can apply for their learner’s permit once they turn 15 years old. After one year, a teen may apply for a level two permit, followed by after six months they can apply for a level three provisional full license. You can learn more about the rules a young driver in Arizona must follow here.Car insurance laws in Arizona
Arizona teen driving laws
The minimum amount of Arizona auto insurance coverage is $25,000/$50,000/$15,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $15,000 for damage to another person’s property.Minimum insurance requirements for Arizona
Liability coverage
Liability may cover certain legal defense expenses if you are sued for a covered accident. As a resident of Arizona, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road: This type of Arizona auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals. Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible). Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or whose insurance limits are not enough to reimburse you for damages they caused. May pay for necessary medical expenses or funeral costs for you or others covered under the policy, no matter who is at fault.Optional Arizona insurance coverage
Comprehensive
Collision
Uninsured/underinsured motorist
Medical benefits
Nationwide coverage in Arizona
[1] Guarantee is limited to alternative parts identified on appraisal and used in repair. Also, work performed at an On Your Side Auto Repair Center includes workmanship guarantee. For informational purposes only. Program terms and conditions are controlling. [2] Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.
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Auto Insurance Coverage in Arizona
Arizona is a state with diverse driving experiences, ranging from desert highways to mountainous routes. It is important to have reliable auto insurance coverage to protect yourself and your vehicle in Arizona. Nationwide offers flexible coverage options tailored to fit your needs.
Features of Nationwide Auto Insurance in Arizona
Nationwide provides several features to make it easy for you to find dependable auto insurance in Arizona. These features include:
- On Your Side® Claims Service: Nationwide offers a network of repair shops that provide written guarantees on repairs for as long as you own your vehicle.
- Discounts: Nationwide offers various discounts to help lower your auto insurance rates. These discounts include multi-policy discounts, good student discounts, defensive driving discounts, anti-theft device discounts, safe driver discounts, and more.
- On Your Side® Review: Nationwide provides a free consultation with an agent to help you get the protection you need at the right price.
- Online Resources: Nationwide offers online resources for making payments, printing ID cards, reporting claims, and more. They also have a mobile app for easy account access on the go.
Car Insurance Discounts in Arizona
Nationwide offers a range of car insurance discounts in Arizona that can help lower your monthly premium. Some of these exclusive discounts include:
- Multi-policy: You can bundle your car insurance policy with home, renters, boat, and multi-car insurance to save money and simplify your life.
- SmartRide® program: This program rewards safe driving. The safer you drive, the higher the discount you could earn.
- Good student: Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.
- Defensive driving: This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.
- Anti-theft: If you have an anti-theft device installed in your car, you may be eligible for a discount. The savings vary based on the type of device installed.
- Safe driver: If you have at least 5 years of safe driving, you could be eligible for a safe driver discount.
- Automatic payments: Setting up monthly recurring bill pay from your checking or savings account can earn you a one-time discount.
- Accident-free: Maintaining an accident-free driving record can earn you up to a 10% reduction in your monthly premium.
Minimum Insurance Requirements in Arizona
As a resident of Arizona, you are required to carry car insurance and purchase coverage before registering your vehicle. The minimum amount of auto insurance coverage in Arizona is $25,000/$50,000/$15,000. This means that in the event of a covered accident, your insurance must provide at least $25,000 per person for bodily injury, with a total maximum of $50,000 per incident. It also covers up to $15,000 for damage to another person's property.
Additional Optional Coverages
In addition to the minimum required coverage, it is often a good idea to add optional coverages to your policy for added protection on the road. Some of these optional coverages include:
- Comprehensive: This coverage repairs your vehicle when physical damage occurs from non-collision-related incidents such as theft, fire, vandalism, glass breakage, and contact with animals.
- Collision: Collision coverage repairs your vehicle when physical damage occurs from a collision with another vehicle or object.
- Uninsured/underinsured motorist: This coverage protects you in the event of an accident where the other party is at fault and either doesn't carry insurance or their insurance limits are not enough to reimburse you for damages they caused.
- Medical benefits: This coverage may pay for necessary medical expenses or funeral costs for you or others covered under the policy, regardless of fault.
These are just some of the concepts related to auto insurance coverage in Arizona. If you have any specific questions or need further information, feel free to ask!
