Arizona Car Insurance
Not every Arizona driver puts the same miles in. Maybe you work from home, or maybe the 10 is somewhere you rarely find yourself. Either way, you shouldn’t pay a flat rate for miles you never drove.
Lemonade Pay Per Mile makes sure you don’t.
How much does car insurance
cost in Arizona?
The average estimated cost of Lemonade car insurance in Arizona ranges from roughly $2,220 to $2,280 per year*. 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?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Low mileage
The less you drive, the less you pay. Every month, no exceptions.
What is the minimum car insurance
required in Arizona?
Every Arizona driver needs to carry a minimum level of coverage to legally drive. Here’s exactly what the state requires.
| 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?
The state minimum covers the basics. These coverages help fill in the gaps.
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 motorist 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 moreWhat’s the best car insurance in Arizona?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
Drive a Tesla in Arizona? This one’s for you.
Lemonade Autonomous Car insurance rewards safer driving. Every mile with Full Self-Driving costs 50% less, automatically, once your Tesla and Lemonade apps are paired.
Connect your Tesla
Connect our app to your car and unlock amazing discounts and functionality
Pay less when you're not driving
Low base rate when your car doesn't move, and a few cents per mile when it does
50% off FSD miles!
We charge you half the price for every FSD mile driven
What are Arizona drivers driving?
Next time you’re stuck on the 10 through downtown Phoenix during rush hour, play along.
Here are the nine makes you’re most likely to spot on Arizona roads, according to our data.
Arizona drivers, by the numbers
Arizona roads have a story to tell. Here’s what our data found.
Find Lemonade car insurance near you
- Phoenix
- Tucson
- Mesa
- Chandler
- Gilbert
- Glendale
- Scottsdale
- Peoria
- Tempe
- Surprise
- Yuma
- San Tan Valley
- Avondale
- Goodyear
- Flagstaff
- Casas Adobes
- Lake Havasu City
- Casa Grande
- Buckeye
- Maricopa
- Oro Valley
- Sierra Vista
- Prescott Valley
- Prescott
- Marana
- Bullhead City
- Apache Junction
- Sun City
- Queen Creek
- El Mirage
- San Luis
- Florence
- Kingman
- Sahuarita
- Sun City West
- Fountain Hills
- Green Valley
- Nogales
- Rio Rico
- Eloy
- Douglas
- Payson
- Somerton
- New River
- Sun Lakes
- Paradise Valley
- Saddlebrooke
- Coolidge
Arizona 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.
Reddit asked, we answered
What's the cheapest liability-only car insurance?
Liability-only policies can run $30-80 monthly depending on your state’s minimums and your driving record. However, minimum coverage is often inadequate if you cause serious damage. Rates vary significantly between insurers for identical coverage, so getting multiple quotes is important before deciding. Read the full thread on Reddit
How important is property damage liability car insurance coverage?
Property damage liability is legally required in most states and covers damage you cause to other people’s property: other vehicles, buildings, fences, and more. State minimums are often set low, and today’s repair costs can exceed them quickly. The right limit depends on your financial situation and what you’d be on the hook for in a serious at-fault accident. Read the full thread on Reddit
What's the difference between medical payments and liability coverage?
Medical payments coverage (MedPay) helps cover reasonable accident-related expenses for you and potentially your passengers, depending on your state. Bodily injury liability covers other people’s expenses when you’re at fault and is required in most states. The two coverages serve different purposes: one protects you and your passengers, the other protects people you injure. Read the full thread on Reddit
How do bodily injury liability limits work in Ohio?
Bodily injury coverage pays medical expenses for people you injure in an accident. Ohio requires 25/50 ($25k per person, $50k per accident), but this is often insufficient for serious injuries given today’s medical costs. Many drivers opt for higher limits like 100/300 for better protection. If damages exceed your limit, you’re personally liable for the remainder. Read the full thread on Reddit
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 from Oct 2025 through September 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. Vehicle make rankings reflect active Lemonade Car policyholders in Arizona as of September 2026, based on Lemonade’s internal data. Claims statistics reflect Lemonade Car claims filed in Arizona between October 2025 and September 2026; all figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all Arizona drivers or the broader insurance market.
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