Arizona Auto Insurance

Mercury Auto Insurance in Arizona

Welcome to Mercury's Arizona page. If you're looking for auto insurance in Arizona, you've come to the right place. Mercury's Arizona page has information on state driving laws, some interesting Grand Canyon State historical facts, and best of all you can learn about Mercury's many products and services.

Mercury has been selling auto insurance since 1962, and is trusted by millions of drivers. In fact, has named Mercury Insurance as one of America's Most Trusted Companies three years in a row, so you can count on Mercury to be there when we're needed most. And, you won't find better coverage at a lower rate. Here are a few of the Mercury products available to Arizona residents:

Arizona Products
Car Insurance
Home Insurance
Condo Insurance
Renters Insurance
Mechanical Breakdown Insurance
Arizona Discounts and Benefits
Accident Forgiveness
If you have not been at fault for an accident for a certain amount of time, your premium will not increase if you are involved in an accident.
Mature Driver Discount
Offered to drivers over 55 who complete an AZDOT driver improvement course.
Glass Replacement
Glass repairs for your vehicle are covered with no deductible.
Local Agents
Our local agents are available to customize a policy to meet your specific needs.
Multi-Car discount
Bigger savings for having more than one vehicle covered by Mercury.
Safe Driving discount
Reduces your premium if you have had no accidents or traffic violations within a specified time period.

For a fast, free quote, call (800) 956-3728.

Did you know . . .
As the 48th state admitted to the Union, Arizona was the last state in the contiguous United States to gain statehood. Only Alaska and Hawaii entered the Union at a later date.

While Arizona may be known for its hot summers and Grand Canyon National Park, it also leads the nation in copper production. In fact, the roof of Arizona's Capitol Building is made from enough copper to mint 4,800,000 pennies.

Arizona driving — what you need to know.
According to the Arizona Department of Transportation Motor Vehicle Division, there were over 119,588 car crashes in Arizona during 2008, which makes insurance very important.

All 50 states have some version of Graduated Driver Licensing (GDL). GDL is a program that gradually phases in driving privileges for new teen drivers, as they gain experience behind the wheel. In Arizona, teen drivers must be a minimum of 15 years and 6 months of age to qualify for the graduated permit. Teen applicants must also pass the necessary vision and written tests. Mercury offers some of the most competitive rates available for teen drivers, so talk to a Mercury agent today to see how much you can save. You'll be glad you did!

Mercury Insurance is sold through a network of independent agents and brokers. We have agents in every major market who want to help you every step of the way. Mercury offers comprehensive coverage options ranging from personal auto insurance to homeowners insurance to mechanical breakdown protection. You can count on us for low rates and excellent coverage.

If you're new to Arizona or looking to brush up on this state's vehicle registrations laws, driver licensing requirements, and occupational licensing rules, you can learn about them at

The right homeowners coverage.
With a variety of homeowners coverage options, you can feel safe knowing your home and those who live there are protected when you insure with Mercury. When you choose Mercury you're not only getting one of America's most trusted insurance providers, you're also getting your own dedicated Mercury agent, who will work with you to create a custom plan just for you. View a full list of Mercury's coverage options.

Must Have Coverage in Arizona

Bodily Injury Coverage
The minimum required bodily injury coverage in Arizona is:

  • $15,000 for the injury or death of one person in any one accident
  • $30,000 for the injury or death of two or more people in any one accident

Property Damage Coverage

  • You must buy at least $10,000 of property damage coverage in Arizona, but you may buy coverage with higher limits
Optional Coverage in Arizona
  • Uninsured Motorist & Underinsured Motorist
  • Collision Coverage
  • Comprehensive Coverage (aka "Other Than Collision")
  • Medical Payments Coverage

SOURCE: Arizona Department of Insurance

Why should I buy auto insurance in Arizona?
Before you can register a vehicle in Arizona, you must show proof of financial responsibility. This can be in the form of a certificate of insurance, a bond, or certificate of deposit or cash in the amount of $40,000.

Will my minimum limit Arizona policy protect me if I drive to another state that requires higher minimum liability limits?
In most cases, your Arizona policy limits will be interpreted to provide at least the minimum limits required by the laws of the state in which you are operating your vehicle. You should review your policy to make certain this is the case.

Will my Arizona personal auto policy provide coverage if I drive my vehicle into Mexico?
Mexican law requires that you purchase separate liability coverage from a Mexican insurer before operating your vehicle in Mexico. Your Arizona personal auto policy may provide some limited coverage on a limited basis (within 25-50 miles of the Mexican border), but this coverage does not meet the insurance requirements of the Republic of Mexico. Failure to purchase proper Mexican liability insurance may result in many hours in a Mexican jail or a heavy fine if you are involved in an accident while operating your vehicle in Mexico.

SOURCE: Arizona Department of Insurance Personal Automobile Insurance


Cheap Insurance
The Hazards of Low Quality Providers
Safety Ratings
Understanding Car Safety Ratings
Auto Accident Claims
Auto Insurance & Fender Benders
Car Repair
Mercury's Customer Authorized Repair Service (CARS)
Teen Driving
Putting Your Teen Behind The Wheel

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If you would prefer to speak to an authorized Mercury agent, please call (800) 956-3728.

If you would like to get an instant online quote from our subsidiary company, Auto Insurance Specialists, please click continue now or call (888) 344-4247.

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If you would like to get a quote from our subsidiary company, Auto Insurance Specialists, please call (888) 344-4247 now.

If you would like to get a quote from our subsidiary company, Auto Insurance Specialists, for any of the following insurance products, please call (888) 344-4247 now.

  • Homeowners
  • Condo Owners
  • Renters
  • Personal Umbrella
  • Watercraft