Match the coverage
Compare the same limits, deductibles, and covered uses. A lower price may reflect different protection.
Liability-only · Arizona · English/Español
Arizona liability insurance, with local help.
Compare available options from multiple carriers with an AALL agent. Start with three basics—no name, email, or phone needed.
English & Spanish · Phone & in-person help
Arizona rootsServing Arizona since 1983
Multiple carriersAvailable options from multiple insurance carriers
English + SpanishLanguage support
Local helpLocations across Arizona
Plan your budget
What does a monthly payment add up to?
Use your current payment or a budget amount to see a simple annual total.
Example monthly amount
$100≈ a year
Amount in the lower part of this range
Example: $100 a month × 12 = $1,200. Adjust the amount; this is not a rate or quote.
Compare more than the monthly price
- Coverage limits and exclusions
- Amount due today and all fees
- Total cost for the policy term
This tool multiplies a monthly amount by 12. It does not estimate an AALL premium or available coverage. Ask an agent for the actual policy-term total, fees, and payment schedule. Color shows the amount on this range, not whether coverage is sufficient or a price is competitive.
Compare with confidence
A useful quote comparison starts with the details.
An AALL agent can help you review available options from multiple carriers. Use the same questions for every quote.
Check the full cost
Review the payment due today, later payments, fees, and total for the policy term together.
Know your next step
Confirm who handles policy questions, payments, changes, and claims—and when coverage begins.
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.
Prefer face to face?
Find an AALL office near you
Enter your ZIP to see AALL offices in your area. Call to confirm current hours and whether you need an appointment for service in English or Spanish.
ZIP matching suggests an area, not the closest office. See all offices and current hours.
Arizona minimum
25$25K injury
per person
per person
50$50K injury
per accident
per accident
15$15K property
damage
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.
Before you start
Arizona liability insurance questions
Quick answers to the questions drivers often ask before requesting a quote.
Is liability-only insurance the same as “full coverage”?
No. “Full coverage” is not a standardized policy term, but people often use it to mean liability plus physical-damage coverages such as collision and comprehensive. An agent can explain each coverage and limit.
Can I choose liability-only on a financed or leased car?
Your lender or leasing company may require physical-damage coverage beyond state liability minimums. Check your agreement and let the agent review the requirement with you.
What if my current policy has lapsed?
Say so when you request the full quote. A lapse may affect available carriers, terms, and price, but an agent can review available options, if any.
What if I was told I need an SR-22?
Tell the agent who requested it and your deadline. An SR-22 is a filing tied to proof of financial responsibility, not a separate coverage type; the agent must review appropriate filing and policy options.
Will the rate I get quoted stay the same later?
Carriers set rates and may change them at renewal. An AALL agent can show the full first-term price and compare multiple carriers again if your renewal rate changes.
Ready to start with the basics?
Use the three-question form, or call AALL to speak with someone in English or Spanish.