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Arizona liability insurance

Arizona liability insurance, with local help.

Explore available options with an AALL agent. Review the full cost and when coverage can begin before you decide.

Start My QuoteOr call 602-233-3333
An AALL representative reviewing a tablet in an office

English & Spanish · Phone & in-person help

Questions for your agent

Get clear answers before you choose.

  1. Which policy options are available for my situation?
  2. What is the complete cost, including fees?
  3. When could coverage begin, and what is still required?
  4. Can I review my questions by phone or in an office?
Arizona rootsServing Arizona since 1983
Multiple carriersAvailable options from multiple insurance carriers
English + SpanishLanguage support
Local helpLocations across Arizona

Before you say yes

Confirm these five things in one place.

  1. 1
    Drivers and vehicleNames, driver details, vehicle, and VIN are correct.
  2. 2
    What is due todayThe starting amount and what repeats are shown separately.
  3. 3
    Every applicable feeAgency, carrier, policy, and filing fees identify who charges them.
  4. 4
    Exact effective dateKnow when coverage starts; a quote is not active coverage.
  5. 5
    Who handles whatAALL, carrier, customer, MVD, court, or lender steps are separated.

Final eligibility, price, limits, terms, and effective date depend on underwriting and policy issuance.

AALL Insurance

Local help when you have questions.

Talk through available insurance options in English or Spanish. You can reach AALL by phone or visit an Arizona office.

Call 602-233-3333Find an AALL office

Arizona minimum

25$25K injury
per person
50$50K injury
per accident
15$15K property
damage

Know what you’re choosing

Liability generally covers harm you cause to others, not your own car.

Arizona generally requires 25/50/15 liability limits for vehicles driven on public roads. Meeting the minimum is one consideration; understanding the gap is another.

  • What liability is forCovered injuries and property damage you cause to other people, up to policy limits.
  • What liability alone generally does not payYour own injuries or damage to your own vehicle; policy terms apply.
  • What an agent can help reviewWhether minimum liability fits your vehicle, finances, lender requirements, and risk tolerance.

When liability-only may fit

Tends to fit: an older, paid-off vehicle whose owner is prepared to handle repairs or replacement without an insurance payout.

Usually doesn’t fit: a financed or leased vehicle; lenders typically require physical-damage coverage beyond liability.

Separate note: if you use your vehicle for rideshare or deliveries, ask an agent to check that use and the coverage you need before driving.

These are general patterns, not advice about your policy. Ask an agent to review your situation.

Looking for a different office?

Find AALL offices by ZIP

Enter an Arizona ZIP to see the AALL offices in that area.

ZIP matching suggests an area, not the closest office. See all offices and current hours.

Before you continue

Answers about the quote process

Does starting mean I have coverage?

No. A quote request is not coverage. Coverage is active only after a carrier issues the policy and confirms its effective date.

Is Arizona's minimum right for every driver?

No. Arizona's 25/50/15 minimum is a legal threshold, not a recommendation for every situation. A financed or leased vehicle may also require broader coverage.

Can I finish in Spanish?

Yes. AALL offers service in English and Spanish by phone and at offices across Arizona.

Start the quote review.

Answer three basics, then review the next steps for your situation.

Start My QuoteCall 602-233-3333