Save up to $947/year with Arizona pay-per-mile car insurance

  • Car insurance based on your driving habits
  • The less you drive, the more you could save
  • Same great coverage—for less money

Pay-per-mile car insurance in Arizona

If you’re a newcomer to The Grand Canyon State—or you’ve lived here for years—you almost certainly know the law already: Whether you’re commuting to your job in Phoenix or Tucson or taking a weekend road trip to Monument Valley and the Petrified Forest, you need car insurance to drive legally in Arizona.

And there’s a good reason for the requirement: A state-approved Arizona car insurance policy can help ensure that you, your passengers, and other people on the road don’t have to pay hundreds of thousands of dollars out-of-pocket in order to recover from an accident.

We’ve got some good news for you, too: If you’re a low-mileage driver (that is, you drive around 10,000 miles per year or less)
you might qualify to save a lot on your car insurance policy with pay-per-mile car insurance from Metromile. Here’s how it works:

With Metromile, you’ll pay a monthly rate that starts at just $29/month. Then, you could pay as little as 6 cents per mile you actually drive. Basically, your rate for car insurance each month will depend on the miles you drive that month—no more overpaying for an insurance policy on the months you barely drive at all.

With Metromile, the less you drive, the more you save. It’s a great system—especially for drivers who often work from home or who have already retired. (In fact, our customers can save up to $947* per year on car insurance.)

Coverage type and Arizona minimum requirements

Coverage

Bodily Injury Liability covers other people’s injuries after an accident that you’ve caused.
Property Damage Liability covers damage to someone else’s property after you cause an accident.
UMBI helps pay for injuries in your vehicle when the at-fault driver doesn’t have auto insurance.
Underinsured Motorist pays for injuries in your vehicle when the at-fault driver doesn’t have enough coverage.
Medical Payments helps cover the medical expenses of you and your passengers after an accident.
Collision helps pay for damage to your vehicle after an accident—regardless of fault.
Comprehensive coverage can help repair or replace your vehicle for loss not caused by collision.
Rental coverage can pay the cost of a rental car after a covered loss.
Roadside assistance pays to send help when you have a vehicle breakdown.

Arizona minimum requirements

$25,000 limit per person/$50,000 limit per accident
$15,000 limit
No requirement
No requirement
No requirement
No legal requirement, though your lender may mandate it
No legal requirement, though your lender may mandate it
No requirement
No requirement

What Arizona customers say

“I love Metromile! I went from $800 a year to $29 a month!

Gisela B.
Sierra Vista, Arizona

“My favorite is that it shows you where your car is. If someone steals your car, you can see where it’s at.

Paulette W.
Phoenix, Arizona

“Their monthly rates are cheaper than most, an affordable price that beats the competition. They also have friendly customer service.

Benjamin P.
Mesa, Arizona

“Finally a car insurance company who delivers more than they promise.

Robert O.
Glendale, Arizona

“I saved $1000 a year, the technology is excellent, and even the claims process has been great. Good job, Metromile!”

David M.
Scottsdale, Arizona

“The customer service was exceptional. Filing a claim when my windshield broke was a breeze, and I got repairs done within 72 hours.

Tallon A.
Scottsdale, Arizona

How much is pay-per-mile insurance in Arizona

What you pay for your coverage in Arizona depends on plenty of different factors. The make and year of your car, the address where you keep it, and the types of coverage you choose are all factors that will affect what you’ll pay. Pay-per-mile coverage through Metromile can be very affordable, though, especially when you drive fewer than 10,000 miles per year.

For example, you can get an Arizona car insurance policy through Metromile for a monthly base premium (that can start as low as $29/year). Then, you’ll pay a rate for each mile you drive—as low as 6 cents per mile!

Low-mileage drivers in Arizona can save a lot with Metromile. In fact, our customers can save up to $947* per year on their car insurance policies by switching to us.

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Why get car insurance from Metromile?

• You could save up to 47%* on your car insurance coverage.

• Clear communication and an easy-to-use app

• Get a quote in 2 minutes!

Car Insurance Arizona FAQ

For more information, please visit the Help Center.

See all of our FAQs

How to self-insure your car in Arizona?

“Self-insuring” your car isn’t a good option for most Arizona drivers. In fact, it’s generally only available to drivers who own more than 10 cars. If you choose to pursue self-insurance, you’ll need to provide a sizable financial bond (up to $1,000,000!) and submit a stack of paperwork to the Arizona Department of Transportation.

Do you need car insurance in Arizona?

Yes. You must have car insurance in order to legally operate a vehicle in Arizona—it’s the law.

What are the state minimum requirements in Arizona?

Car insurance is important: it can help protect your vehicle, your finances, and your wellbeing. Arizona state minimum requirements for car insurance are:

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage
  • $15,000 in property damage liability coverage

You may also want to consider higher limits or adding comprehensive, collision, and other coverage for extra peace of mind. With Metromile, you can personalize your policy for your lifestyle and needs.

What coverage options do you offer?

Even though you can pay less with pay-per-mile insurance, you’ll still have the same great coverage that you’re used to. We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

Can I still get the same coverage options?

Yes! You’ll still have the same amazing coverage that you are used to, with various deductibles and optional comp & collision coverage.

Do you offer full coverage?

We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.