Car Insurance in Arizona: A Complete Guide
Looking for affordable car insurance in Arizona? OCHO makes it simple to stay covered without stretching your budget. With $0 down options, flexible payment plans, and credit-building benefits, getting insured has never been easier.
Car Insurance Requirements in Arizona
In Arizona, car insurance is not just a good idea—it’s the law. To legally drive in the state, all motorists are required to maintain minimum liability coverage. Understanding these requirements can help you stay compliant and avoid penalties. Here's everything you need to know:
Required Coverage
- Bodily Injury Liability: You must have at least $25,000 per person and $50,000 per accident. This covers medical expenses for other parties if you are at fault in an accident.
- Property Damage Liability: A minimum of $15,000 per accident is required to cover damage to another person’s property, such as their vehicle or other structures.
- Uninsured/Underinsured Motorist Coverage: While not mandatory, it is strongly recommended to protect yourself in case you’re involved in an accident with an uninsured or underinsured driver. This coverage must be included in your policy unless you reject it in writing.
Why OCHO is Different in Arizona
Insurance shopping can be overwhelming, but OCHO simplifies the process. We understand that every driver’s situation is unique, which is why we offer options that work for you:
- $0 Down Payment Options: Don’t let a costly upfront payment delay your coverage. We offer plans that allow you to get insured today without breaking the bank.
- Flexible Payment Plans: Pay when it’s convenient for you! Choose payments to align with your payday schedule and make managing your budget easier.
- Instant Coverage: Get peace of mind immediately. With OCHO, you'll receive your insurance card as soon as you sign up—no long waits.
- Build Credit: Your insurance payments can contribute to improving your credit score when made on time*. This is a great way to secure your financial future while staying insured.
- Extra Time to Pay: Life happens, and we get it. OCHO provides up to 15 days of payment flexibility when you need a little extra breathing room.
The Easy Way to Get Insured: OCHO’s Low Upfront Costs
Buying car insurance in Arizona can be expensive, especially when a high down payment stands in the way of getting covered. That’s why OCHO has worked hard to make insurance more accessible for everyone. Even if you don’t qualify for $0 down, we still reduce the upfront cost significantly compared to buying directly from the insurance company. Our customers save over $200 on their car insurance payment on average! With OCHO, you can get a regular full coverage insurance policy with pay-as-you-go prices. Our mission is to ensure you can get the coverage you need without straining your wallet, offering lower down payments so you can protect what matters most without unnecessary financial stress.

Arizona Auto Insurance Facts
- Average Cost: The average annual cost of car insurance in Arizona is about $1,482 (2024 data). Rates may vary based on your driving record, location, and vehicle type.
- At-Fault State: Arizona is not a no-fault state. This means that the at-fault driver in an accident is responsible for covering damages to others, so liability coverage is critical.
- Unique Safety Glass Coverage: Arizona offers unique coverage options specifically for windshield and safety glass repair or replacement. This can be especially useful given the state’s dusty and rocky terrain.
- Weather-Related Risks: Arizona experiences extreme weather events, including dust storms, monsoons, and flash floods. Comprehensive insurance can help protect your vehicle from these natural hazards.
By understanding your state’s requirements and exploring OCHO’s flexible plans, you can drive with confidence knowing you’re protected. Get covered today and experience a smarter, easier way to insure your vehicle.
Smart Coverage Options for Arizona Drivers
Finding the right auto insurance can make all the difference when it comes to protecting yourself and your vehicle. Here’s a breakdown of coverage options available to drivers in Arizona, tailored to meet your needs:
Basic Coverage
The essentials for staying protected and meeting state requirements:
- Liability Insurance (Required): Covers damage or injuries you may cause to others in an accident. This is mandatory for all Arizona drivers.
- Uninsured/Underinsured Motorist Coverage: Protects you if you're involved in an accident with a driver who has little or no insurance.
- Personal Injury Protection (PIP): Helps cover medical expenses, lost wages, and other costs resulting from an accident, regardless of fault.
Full Coverage
For drivers looking for additional peace of mind and broader protection:
- Collision Coverage: Covers repair or replacement costs for your vehicle after an accident, regardless of who’s at fault.
- Comprehensive Coverage: Protects against non-collision damages, like theft, vandalism, or weather-related incidents.
- Safety Glass Coverage (No-deductible option): Provides coverage for repairing or replacing your windshield or other vehicle glass without having to pay a deductible.
- Roadside Assistance: Ensures you're never stranded by offering help with services like towing, flat tire changes, or jump-starting your battery.
These options allow you to choose a plan that fits your lifestyle, giving you confidence every time you hit the road.