Arizona Car Insurance

Whether you’re heading to Sedona for your next outdoor adventure, or cruising down to a little known spot for the best Sonoran-style hot dog in town—you always want to drive with confidence in the Grand Canyon State. 

That’s where Lemonade car insurance comes in. 

We offer top-of-the-line coverage, and fairly price your policy based on how many miles you actually drive.  

Lemonade Car’s pay per mile program in Arizona was built on 3 billion miles of driving data, and designed to really shine for low-mileage, safe, and environmentally conscious drivers. 

Plus, pay per mile policies offer the same standard insurance coverage options and add-ons as traditional car insurance programs. 

Read below to get the full scoop on the coverages offered and required in Arizona. Or you can just go ahead and apply for your policy with Lemonade Car. It’s fast, easy, and even kind of fun! 

Here’s what we’ll be discussing: 

• Required car insurance coverages in Arizona 
• Arizona coverages that are great to have
• Lemonade extras that are great to have in Arizona
• The cost of car insurance in Arizona
• Why you need car insurance in Arizona

Required car insurance coverages in Arizona 

To comply with car insurance coverage requirements, drivers need the following coverages and minimum coverage amounts:

Every state has different rules and regulations pertaining to auto insurance. In Arizona, you’re required to carry the coverages we’ll discuss in more detail below (although in certain cases you can opt out of coverages if you really don’t want them). 

Just a refresher: A “limit” in regard to your car insurance policy refers to the maximum amount your insurer would pay out on a certain type of claim. 

For example, drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for third party claims your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)

Liability insurance coverage

If you’re a law-abiding driver, you’re required in most states to have at least some liability coverage to be on the road. 

Liability insurance is broken down into two parts: bodily injury liability and property damage liability. Note that both parts apply to damage to other people and their vehicles, not to yourself or your own car. 

• Bodily injury liability coverage. If you accidentally injure someone else, this type of coverage can help cover their medical bills
• Property damage liability coverage. If you damage someone’s car or personal property, this type of coverage can cover the cost to repair or replace what was damaged

Lemonade Car offers several options for bodily injury liability coverage. The lowest option (and the minimum coverage amount required by law) is $25,000/$50,000. From there, you could choose $50,000/$100,000, or $100,000/$300,000.

For property damage liability coverage, Lemonade Car offers coverage starting at $15,000 (the minimum coverage required by Arizona law), and going up to $25,000, $50,000, or $100,000.

Great coverages to have in Arizona 

While Arizona law doesn’t mandate the following coverage options, you’ll want to consider them for true peace-of-mind while on the road.

Uninsured driver bodily injury coverage (UMBI)

Not everyone follows the rules. So what if you’re involved in a crash with someone who has no insurance at all? That’s where uninsured motorist coverage comes in. 

Uninsured driver bodily injury coverage (UMBI) can help cover your medical bills and lost wages related to injuries caused by an uninsured driver. 

Lemonade offers several options for uninsured motorist bodily injury coverage: $25,000/$50,000, $50,000/$100,000, or $100,000/$300,000. 

We will automatically include UMBI at the same limits as your bodily injury liability coverage when you get a quote, but you can lower the limits of this coverage if you want to. 

The state of Arizona also allows you to remove this coverage if you sign a certain form. Once you’ve set up your policy, you can seamlessly make the changes and sign the necessary form digitally, all on the Lemonade app.

Underinsured driver bodily injury coverage (UIMBI)

Not everyone gets sufficient liability coverage to foot all of the medical expenses if they injure you in an accident. So what if you’re involved in a crash with someone who has insufficient insurance? That’s where underinsured motorist coverage comes in. 

Underinsured driver bodily injury coverage (UIMBI) can help cover your medical bills and lost wages related to injuries caused by an underinsured driver. 

Lemonade offers several options for underinsured motorist bodily injury coverage: $25,000/$50,000, $50,000/$100,000, or $100,000/$300,000. 

We will automatically include UIMBI at the same limits as your bodily injury liability coverage when you get a quote, but you can lower the limits of this coverage if you want to. 

The state of Arizona also allows you to remove this coverage if you sign a certain form. Once you’ve set up your policy, you can seamlessly make the changes and sign the necessary form digitally, all on the Lemonade app.

Comprehensive coverage

Also known as “act of god” coverage, comprehensive insurance coverage helps pay to fix damage to your car (or possibly replace the car entirely) following a covered incident that wasn’t a car accident.

That means if your car is stolen, vandalized, or has an unexpected rendezvous with an animal, comprehensive coverage can kick in to repair or replace your car. It’ll also come in handy if a storm causes a tree to fall on your Tesla, for instance.

Lemonade Car offers comprehensive coverage with deductibles of $250, $500, or $1,000.

Lemonade will pay up to the actual cash value of your car following a covered incident.

If you lease or finance your car, comprehensive coverage will probably be required from your lender. 

Collision coverage 

Collision coverage helps pay to repair or replace your own car if it’s damaged in a covered accident with another vehicle or object, especially if you’re the one who caused the accident. 

If you’re technically at fault for the damages to your car in the case of a covered accident, your collision coverage will kick in for repairs on covered claims and get you back on the road.

Lemonade Car offers collision coverage with deductibles of $250, $500, or $1,000.

Lemonade will pay up to the actual cash value of your car following a covered incident.

If you lease or finance your car, collision coverage will probably be required from your lender. Lemonade Car drivers who want collision coverage must also carry comprehensive coverage on their policy. 

Medical payments coverage (MedPay)

If you or other passengers in your car get hurt in a covered car accident, this coverage comes into play, regardless of who was at fault. 

You also have the option to add medical payments (MedPay) coverage to your car insurance policy. 

MedPay covers some medical expenses, including, but not limited to:

• Ambulance fees after an accident
• X-rays, surgeries, or prostheses
• Health insurance co-pays
• Doctors and hospital visits
• Nursing services
• Funeral services

Lemonade Car offers AZ drivers MedPay coverage with limits of: $500, $1,000, $2,000, $5,000, or $10,000. 

Lemonade Car extras that are great to have 

Want to really be cruising with confidence? Round out your Lemonade Car policy with some of the following coverages. 

Roadside assistance 

Roadside assistance provides towing and other emergency roadside services like lockout services, flat tire replacement, jumpstarts for dead batteries, fuel delivery, and winching and battery service if your car breaks down. 

With Lemonade Car, roadside assistance is an optional coverage that you can include for each car on your policy. For each car that you cover with roadside assistance on your policy, you’ll be eligible for up to 3 complimentary services during a 6-month term.

Just make sure to download the Lemonade app. That way you can request roadside assistance—and we can send help—in a flash.

Temporary transportation coverage

If you need alternative transportation while your car is being repaired after a covered incident, most insurers only offer the option of a rental car.

But Lemonade works differently, and will cover almost any type of transportation for up to a month while you’re waiting for your car in the shop. This includes Uber, Lyft, rental car expenses, or even public transportation like buses or Citi Bikes, up to your daily limit.

If you have both collision and comprehensive coverage on your car, you’ll get the option of selecting temporary transportation coverage for your car as well. 

With Lemonade Car, if you choose to get temporary transportation coverage, you can sign up for a $30, $40, or $50 daily limit (for up to 30 days).

Glass and windshield coverage

Extended glass coverage (as we call it here at Lemonade) can be purchased as a rider to your existing auto insurance, and will help cover the costs to replace your windshield if it’s damaged. 

When you build your Lemonade Car insurance quote, drivers have the option to choose extended glass coverage that allows you to replace your windshield, your sunroof, and your backglass—with a $0 deductible.

Only Lemonade Car drivers who add comprehensive coverage to their policies are eligible for extended glass coverage in Arizona. 

How much does Lemonade Car insurance cost in Arizona?

Well, that depends. 

Lemonade offers car insurance you can customize, because you deserve a policy that feels just right—and fits your budget. 

When you buy a policy with Lemonade Car in Arizona, each month you’ll pay a different price; 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. 

That means that you determine how much you save each month based on how many miles you actually drive (cha-ching). 

Wondering how we determine your mileage—and your car insurance premium—with precision? Here’s how it works: When you buy a policy, we’ll send you a device that you’ll need to plug into your car’s OBD-II port. 

The device uses location-based technology which lets us track your mileage down to the foot. It can also detect safe driving behavior—like opting for well-maintained roads, and driving during daylight hours or avoiding heavy traffic—which could potentially lead to lower auto insurance rates at renewals for safe drivers. 

That also means that dangerous driving behaviors—like hard braking, or speeding—could negatively impact your premium.

The most straightforward way to get a sense of how we price Lemonade car insurance rates is by applying for coverage via our mobile app or website. It’s fast, easy, and simple to compare.

Apply now to get car insurance quotes in Arizona. 

Why do I need car insurance in Arizona?

Besides being legally required, getting car insurance is vital to keep you protected from the financial burden of bad things that can happen in, around, and to your car. 

Every year the number of vehicles on the road rises, which often comes with an uptick in the frequency—and severity—of car accidents. 

According to a crash facts summary by the Arizona Department of Transportation, there were 119,991 car accidents in Arizona in 2022, including 35,878 that resulted in an injury. That equates to about one crash for every 48 drivers on the road. 

Basically, driving can be dangerous—even if you’re the most cautious person. Car insurance helps cover you in the event of a crash, a smashed windshield, an unexpected collision with a rogue antelope, and so much more. With the right Lemonade Car coverage, you’ll be cruising in secure comfort.

Check out some additional stats below.

Number of licensed drivers, vehicle registrations, and crash history in Arizona

Before we go… 

Arizona drivers, we’re excited for you to take Lemonade Car for a spin (we just hope you don’t get stuck in Phoenix traffic). 

If you’re looking to dive deeper into Lemonade car insurance, go ahead and…

• Learn how location-based technology is changing Lemonade’s coverage game
• Get the basics and beyond of what car insurance covers
• Take a closer look at exactly what makes Lemonade Car different
• Check out how you can lower your car insurance rates by bundling Lemonade policies. We also offer Homeowners, Renters, Pet, and Life Insurance. For example, if you bundle renters and car insurance with Lemonade, you could be eligible for a discount on both policies.

Happy driving!

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.