Arizona has the best of both worlds - lush green pines, even skiing in the north, desert saguaro cactus plants and majestic canyons in the south. But, no matter which scenic route you’re taking in the Copper State, rest assured you and your car can be protected on the road with Nationwide.

Minimum Arizona insurance coverage

Liability coverage

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.

Teen driving laws in Arizona

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.

At 15 ½, teenagers can receive a graduated instruction permit. Once they have turned 16 and have held their permit for at least six months with 30 hours of driving practice, they may apply for a graduated driver’s license. At 18, they may apply for a Class D driver’s license.

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.

Easy Pay sign-up

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.

Affinity member

You could be eligible for a discount for being a member of a qualifying organization. Nationwide partners with alumni associations, professional groups, sports groups and special interest groups.

Want to find a local agent in your neighborhood?
We have Nationwide agents throughout Arizona.
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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.