Arizona Auto Insurance Guide for First-Time Buyers

This coverage pays for injuries you cause to others in an at-fault accident — their medical bills, lost wages, and pain and suffering claims. Arizona's tort system allows injured parties to sue you directly for amounts above your policy limits, making higher limits especially important for first-time drivers statistically more likely to be involved in accidents.

This pays for damage you cause to another person's vehicle, fence, building, or other property in an at-fault crash.

Arizona is one of the few states that mandates uninsured motorist coverage, which pays for your injuries when hit by a driver with no insurance or a hit-and-run driver who flees the scene. First-time buyers often overlook that this protects you and your passengers, not just your vehicle.

Arizona doesn't require this coverage, but your lender will if you're financing or leasing a vehicle.

Comprehensive covers damage to your vehicle from non-collision events: theft, vandalism, hail, flood, animal strikes, and falling objects. Arizona's high vehicle theft rates — Phoenix consistently ranks among the top 10 metro areas nationally for auto theft — make this coverage particularly relevant, especially for commonly targeted models like Honda Accords and Toyota Camrys. Like collision, comprehensive is not state-required but is mandatory if you have a car loan or lease, and it typically costs less than collision because you control many of the risk factors.