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Coverage and service as grand as Arizona

Arizona is known for its variety of scenic landscapes, from deserts to forests, mountain ranges to canyons. If you live in the Grand Canyon State, USAA offers a combination of coverage and service fit for Arizona. Whether you're driving through the desert hills of Sedona, navigating the streets of downtown Phoenix or touring the buttes and mesas of Monument Valley, USAA can be there for you.

The average cost of car insurance in Arizona

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

See note$175 See noteper month

The average monthly cost for all USAA auto policies issued in Arizona in 2023.See note1

Get up to 30% off your premium for being a safe driver.See note2

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Arizona coverage requirements and minimums

As of Jan. 1, 2024, Arizona law requires drivers to have the following minimum bodily injury and property damage liability limits:

Arizona coverage requirements and minimums
Coverage Description Arizona Requirement
Bodily injury liability per person This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers, if you're found at fault for an accident. Subject to the terms and conditions of the policy. Learn about liability coverage Minimum coverage requirement: $25,000 limit per person
Bodily injury liability per accident This is the total amount of coverage for costs related to injuries or deaths to other vehicles' drivers and their passengers if you're at fault for an accident. Minimum coverage requirement: $50,000 limit per accident
Property damage liability This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. Minimum coverage requirement: $15,000 limit per accident
Bodily injury for uninsured or underinsured motorists This helps cover your expenses if you're in an accident caused by a driver who is uninsured or doesn't have enough insurance.Learn about uninsured and underinsured coverage Required at the same limits as your bodily injury liability coverage but can be waived by written request.
Collision This helps pay to repair or replace your vehicle if it's damaged in an accident related to driving, subject to a deductible.Learn about collision coverage May be required if you're making payments to a lender or leasing company.
Comprehensive This helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events, subject to a deductible. Learn about comprehensive coverage May be required if you're making payments to a lender or leasing company.
Extended benefits This is an optional first-party coverage that may be added. Optional
Rental reimbursementSee note3 This helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss. Optional

Some drivers choose to have higher limits and carry additional coverages for more protection. If you're responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.

Bodily injury liability per person

Description

This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers, if you're found at fault for an accident. Subject to the terms and conditions of the policy.

Learn about liability coverage

Arizona Requirement

Minimum coverage requirement: $25,000 limit per person
Bodily injury liability per accident

Description

This is the total amount of coverage for costs related to injuries or deaths to other vehicles' drivers and their passengers if you're at fault for an accident.

Arizona Requirement

Minimum coverage requirement: $50,000 limit per accident
Property damage liability

Description

This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

Arizona Requirement

Minimum coverage requirement: $15,000 limit per accident
Bodily injury for uninsured or underinsured motorists

Description

This helps cover your expenses if you're in an accident caused by a driver who is uninsured or doesn't have enough insurance.

Learn about uninsured and underinsured coverage

Arizona Requirement

Required at the same limits as your bodily injury liability coverage but can be waived by written request.
Collision

Description

This helps pay to repair or replace your vehicle if it's damaged in an accident related to driving, subject to a deductible.

Learn about collision coverage

Arizona Requirement

May be required if you're making payments to a lender or leasing company.
Comprehensive

Description

This helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events, subject to a deductible.

Learn about comprehensive coverage

Arizona Requirement

May be required if you're making payments to a lender or leasing company.
Extended benefits

Description

Extended benefits (EB) is an optional first-party coverage that may be added.

Arizona Requirement

Optional
Rental reimbursementSee note3

Description

This helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss.

Arizona Requirement

Optional

Some drivers choose to have higher limits and carry additional coverages for more protection. If you're responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.

Did you know?

You can save up to 10% on your premium when you bundle your auto policy with homeowners or renters insurance.See noteSee note4

Learn about bundling

Help protect yourself with the car insurance you need in Arizona.

  • Members Saved $725

    A countrywide survey showed that our members saved an average of $725 per year when they switched to USAA Auto Insurance. See Note See note5

    See car insurance discounts

  • Exceptional Service and Claims

    We're available 24/7 online for policy updates and claims through usaa.com and our mobile app.

    Visit Claims Center

You may qualify for discounts and savings.

  • Good Student Discount

    Get a discount if your full-time student driver maintains good grades. See Note See note6

  • Multi-Vehicle Discount

    Get a discount if you have two or more vehicles on your policy. See Note See note6

  • Annual Mileage and Storage Discount

    Get a discount if you don't drive much per year,See note6 and if you put your car in storage.See note7

  • Automatic Payments Discount

    Save up to 3% on your auto premium when you set up automatic payments. See Note See note6

  • Early Quote Discount

    Save up to 3% on your auto premium when you buy a policy seven or more days before the start date. See Note See note6

  • New Vehicle Discount

    Get a discount on your auto premium if your vehicle isn't more than 3 years old. See Note See note6

View more car insurance discounts

Who can get USAA Auto Insurance?

When you join USAA, you become part of a family who stands by you during every stage of your life. Our family includes:

  • U.S. military members and veterans
  • Pre-Commissioned officers
  • Spouses and children of USAA members
Learn about USAA membership

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)