If you’re driving or owning a home in Phoenix, understanding Arizona’s insurance requirements is essential. Allstate is here to help you stay fully covered — and fully compliant — with clear, up-to-date information tailored for Arizona residents.

The State of Arizona requires every driver to carry a minimum level of auto insurance. As of 2024, the required liability coverage includes:

• $25,000 for bodily injury per person
   
• $50,000 for bodily injury per accident
   
• $15,000 for property damage
   

These are minimum legal requirements — but they may not be enough to fully protect you after a serious accident. Allstate offers a range of customizable coverage options that go beyond the basics, including:

• Collision & comprehensive
   
• Uninsured/underinsured motorist coverage
   
• Medical payments and personal injury protection
   

With Phoenix traffic on the rise and repair costs increasing, more coverage could save you thousands in the long run.

While home insurance isn’t legally required in Arizona, most mortgage lenders will require it. Even if you own your home outright, protecting it with the right policy is one of the smartest decisions you can make.

Standard homeowners insurance in Phoenix typically covers:

• Fire and smoke
   
• Wind and hail (including monsoon storms)
   
• Theft and vandalism
   
• Personal liability
   
• Temporary living expenses if you're displaced
   

• Flood Insurance: Flooding is not covered under standard policies and can happen during monsoon season.
   
• Earthquake Coverage: Optional, but available.
   
• Sewer/Drain Backup: Recommended for older homes in central Phoenix neighborhoods.
   

• Local agents who understand Phoenix-specific risks
   
• Easy-to-understand policies that meet or exceed state requirements
   
• Annual coverage reviews to ensure you’re protected as laws and life change
   

Let Allstate make it easy. Get in touch with our Phoenix office today to ensure your coverage meets Arizona's legal standards — and protects what matters most.