Arizona Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Car Insurance for Arizona Drivers

From the beauty of the Grand Canyon to the historic O.K. Corral, Arizona is home to beautiful natural wonders and remnants of the Old West. With so much to see and do, it’s important for Arizona drivers to feel confident in their car insurance as they travel along Arizona’s scenic roadways. You can count on car insurance from the AARP® Auto Insurance Program from The Hartford.1 The Hartford has been protecting Arizona AARP members and their families with car insurance since 1984, and has earned a reputation for integrity and trust. With high customer ratings for claims services, The Hartford will be there when you need us most.
Whether you need a car insurance quote or just want to learn more about Arizona car insurance requirements, you’ve come to the right place.

Car Insurance Benefits Offered to Arizona Drivers

Drivers from the great state of Arizona could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
  • 12-month Rate Protection
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Arizona

Arizona state law requires liability car insurance at the following minimum limits:2
  • $15,000 for bodily injury, per person per accident
  • $30,000 for bodily injury, total per accident
  • $10,000 for property damage, total per accident

Proof of Car Insurance in Arizona

If you’re a licensed driver in the state of Arizona, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. In Arizona, it is acceptable to use an electronic Arizona car insurance ID card as proof of car insurance when required. With The Hartford’s convenient mobile app, you can store your car insurance ID cards right on your mobile device. Visit the App Store™ or Google Play™ for more information.

Arizona Uninsured Driver Facts

According to a 2012 Insurance Research Council Report, 10.6 percent of drivers in Arizona do not have car insurance. Arizona is below the national average of 12.6%.3
Although uninsured/underinsured motorist coverage is optional in the state of Arizona, this car insurance coverage will protect you from financial loss if you are involved in an accident with an uninsured motorist.

Additional Car Insurance Coverages Available to Arizona Drivers

In addition to the car insurance coverage required by the state of Arizona, the following benefits are also available to Arizona drivers from the AARP Auto Insurance Program from The Hartford:
  • Comprehensive with Full Glass Coverage
  • Collision
  • Roadside Assistance
  • Rental Reimbursement
  • Medical Payments

Staying Safe on Arizona Roads

As you travel through Arizona, there are a number of safe driving laws meant to protect you on Arizona’s highways and byways.4 Here are just a few:

Arizona Seat Belt Laws:

Even though Arizona doesn’t have mandatory seat belt laws, law enforcement can ticket you for not wearing your seat belt if you are pulled over for another traffic violation.

Arizona Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Arizona wants to be sure they stay safe in the process! Arizona has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.