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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:

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:

Multi-policy

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® program

SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2

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. Savings vary based on the type of device installed. Proof of installed device may be required.

Safe driver

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.

Automatic payments

Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.

Accident free

When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.

Save up to 20% when you bundle home and car insurance with Nationwide.

Find Nationwide Insurance near you in Arizona

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Car insurance laws in Arizona

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:

Arizona teen driving laws

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.

Minimum insurance requirements for Arizona

The minimum amount of Arizona auto insurance coverage is $30,000/$60,000/$25,000. In the event of a covered accident, your limits for bodily injury are $30,000 per person, with a total maximum of $60,000 per incident. It also covers up to $25,000 for damage to another person’s property.

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.
  • Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
  • Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.

Optional Arizona insurance coverage

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:

Comprehensive

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

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Uninsured/underinsured motorist

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.

  • Bodily injury may protect you if you’re involved in an accident and the other party is at-fault and either is uninsured or doesn’t carry enough insurance to cover costs related to your bodily injury damages.
  • Property damage may protect you if you’re involved in an accident where the other party is at-fault and uninsured/underinsured for damages sustained to your vehicle and other covered property (subject to deductible). You do not need Uninsured/Underinsured property damage coverage if you have collision coverage.

Medical benefits

May pay for necessary medical expenses or funeral costs for you or others covered under the policy, no matter who is at fault.

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.