Arizona Teen Driver Insurance: Cost & Discount Guide
Arizona requires 25/50/15 liability coverage and is an at-fault state.
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Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15½
Minimum learner's permit age, 30 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
The state operates a graduated driver licensing (GDL) system: teens receive a learner's permit at age 15 years, 6 months after completing driver education, hold it for six months with supervised driving requirements, then progress to a Class G graduated license at 16 with passenger and nighttime restrictions that lift at 16 years, 6 months. Arizona law mandates that all insurers offer good student discounts to drivers under 25 who maintain a B average or better, making this one of the most accessible cost-reduction tools for parents adding teen drivers.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist
Collision Coverage
Comprehensive Coverage
Cost Overview
$238–$637/mo
Typical monthly rate in Arizona, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Add Your Teen Without Doubling Your Bill
Compare Teen Driver RatesRules for new drivers
Night driving
midnight-5am (secondary)
Passengers
no more than 1 passenger younger than 18 for first 6 months (secondary)
Source: IIHS and AZ MVD, verified July 2026
Frequently Asked Questions
What are Arizona's graduated licensing restrictions for teen drivers?
Arizona issues a Class G graduated license at age 16 after six months on a learner's permit. For the first six months of the Class G license (until age 16 years, 6 months), teens cannot drive between 12:00 a.m. and 5:00 a.m. except for work, school, or emergencies, and cannot transport passengers under age 18 unless accompanied by a licensed parent or guardian. These restrictions lift automatically at 16 years, 6 months, and most insurers begin reducing premiums at that milestone if the teen has a clean driving record.
Coverage Types
Liability Insurance (Above State Minimums)
Increasing bodily injury limits from Arizona's minimum $25,000/$50,000 to $100,000/$300,000 typically adds $15–$35/month to the total premium — a small fraction of the $200–$350/month cost of adding the teen driver in the first place.
Uninsured/Underinsured Motorist Coverage
Protects your teen if they're injured by a hit-and-run driver or someone without insurance. Arizona doesn't require this coverage, but insurers must offer it at your liability limits.
Collision Coverage (for Newer or Financed Vehicles)
Pays to repair your teen's vehicle after an at-fault accident, minus the deductible (typically $500–$1,000). Required by lenders if the vehicle is financed or leased.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal collisions. Phoenix ranks among the top 20 U.S. metro areas for vehicle theft, and rural Arizona roads see frequent wildlife strikes.
Medical Payments or Personal Injury Protection
Med Pay covers medical bills for you and your passengers after an accident, regardless of fault. Arizona doesn't require it, but it fills gaps when health insurance has high deductibles.
Roadside Assistance
Covers towing, flat tire changes, lockout service, and fuel delivery. Costs $5–$10/month per vehicle and provides peace of mind for new drivers unfamiliar with breakdowns.