120+ more*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
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David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
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We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
A standard car insurance policy lasts six months or one year. A short-term car insurance policy is considered any term less than six months, and these policies don’t really exist. Arizona’s monthly premiums for a standard policy average around $126 per month.
You’re unlikely to find a temporary car insurance plan in Arizona because most reputable insurers don’t offer temporary day-to-day car insurance. Thankfully, you do have other flexible options in Arizona, including coverage from Insurify Car, which lets drivers pay for coverage weekly instead of monthly.
With Insurify Car, you can set your cancellation date for when you no longer need coverage.
Car renters may purchase limited liability coverage from the rental car agency.
A promise of single-day insurance is likely a scam.
If you’re planning a quick trip from Phoenix to Flagstaff, you’ll have a hard time finding a traditional car insurance policy in Arizona valid for only one or two days. Traditional insurance companies typically offer six-month policies as the minimum term length. Writing policies shorter than six months is too high-risk and expensive for insurers.
You can, however, leverage coverage plans and policy conditions to secure cheap car insurance for your intended duration. Plus, all Arizona car insurance agents must offer the state’s minimum mandated coverage, so for however long you secure a policy, rest assured that it will satisfy the requirements.[1]
Insurify Car makes it affordable and easy to get same-day liability coverage
The phrases “temporary car insurance” and “temporary auto insurance” are confusing because this type of policy doesn’t really exist. But some drivers want only short-term coverage.
Flexible policies do exist, though. Some companies offer usage-based or pay-per-mile insurance that caters to people who don’t drive often, while others offer weekly or month-to-month payment plans.
Here are a few alternatives to temporary coverage.
Best for: Drivers who want to immediate coverage at a small upfront cost
With Insurify Car, you can get basic liability coverage and pay in seven-day increments rather than month-to-month. Plus, you can set your cancellation date for when you no longer need coverage. You can also cancel at any time during the policy term.
Best for: Drivers who want smaller payments
If you pay your policy month-to-month, you still have a standard six- or 12-month policy. You’re just paying your premiums every month instead of in full at the beginning of the policy. Another monthly payment option is pay-per-mile car insurance, which charges a low base rate every month plus a per-mile fee for the actual miles you drive each month.
Best for: Drivers who frequently borrow vehicles from friends or family
Non-owner car insurance links coverage to the policyholder, not the vehicle. For example, your non-owner policy would cover you while driving your parents’ vehicle or driving your roommate’s or friend’s car.
Best for: Out-of-state or foreign drivers with international driver’s licenses
Unlike rental car reimbursement insurance, rental car insurance is temporary coverage that rental car companies issue. Supplemental liability insurance meets the state’s minimum liability requirements, while a collision damage waiver, personal accident insurance, and personal effects coverage offer extended protection.
Insurify Car is only available in select states, including Arizona, and provides the state-mandated liability car insurance requirements as a full-term policy with a per-week payment plan. Benefits include:
Choosing your cancellation date
Auto pay and weekly self-pay available
Same-day coverage available
Insurify Car is similar to other traditional insurance plans. It’s ideal for those who need immediate liability coverage. After filling out a simple application and completing the purchasing process, you’ll receive an immediate digital insurance ID card.
You’ll pay for your first seven days of coverage when you start your policy and every seven days after that. This helps you spread out your premium into smaller, more manageable payments compared to the lump-sum payments of standard policies.
You can choose a cancellation date in advance, when you start your policy, or cancel at any time during the policy term.
On average, the cheapest short-term car insurance options in Arizona range from $131 per month with Insurify Car to $179 with Hugo, but your rate may be higher or lower. Individual factors like your driving history, age, vehicle type, deductible, duration of coverage, and credit history influence your insurance quotes.
The table below shows average rates for auto insurance companies that offer short-term insurance coverage. It displays monthly insurance premium quotes, but payment plan options may vary between companies.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Insurify Car | $131 |
| Hugo | $179 |
Check quotes from 120+ top insurance companies
Driving without insurance is illegal in Arizona, even if you’re operating a vehicle only on certain days or times. Here are a few reasons why you may be looking for a flexible policy:
Visiting Arizona short term: With four major sports teams and three national parks, Arizona is a popular vacation spot even for locals. A flexible auto insurance policy is ideal for those who plan to stay and travel for multiple weeks.
Buying or selling a car: To ensure you’re compliant with Arizona law, you may need to purchase a car insurance policy as deeds change hands.
Borrowing a vehicle: Even if the car owner has insurance that covers all drivers, it’s a good idea to consider additional protection.
Waiting for a long-term policy: Flexible policies can help you secure car insurance while you continue to shop around for a better rate.
Infrequent commuting for work: Working from home has its perks, though it’s not uncommon to have a monthly or semi-annual need to visit the office. Perhaps you’re enlisted in the Arizona Army National Guard or need to attend biannual in-person meetings at Grand Canyon Education or Banner Health. Flexible car insurance can help you keep your career and budget on track.
Technically, you can’t get temporary car insurance in Arizona. But most reputable car insurance companies do offer same-day confirmation of a six-month policy, which you can cancel prior to the term’s end.
Don’t expect to find weekly payment plans offered by these insurers, though. You’ll have to look to alternative sources like Insurify Car if you want a more flexible option.
Every state sets its own minimum car insurance requirements that all drivers must comply with. Arizona requires only liability coverage for bodily injury and property damage. Arizona drivers can choose to purchase or deny policy additions like comprehensive coverage and collision coverage.
One exception is with uninsured and underinsured motorist coverage: Arizona drivers who purchase UM/UIM coverage must have at least $25,000/$50,000 on their policy.[2]
Coverage Type | Arizona Minimum |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 |
You never want your car insurance coverage to lapse. If your coverage lapses, the Arizona Department of Transportation could suspend your license and require you to have an SR-22 filing on your driving record.[3] Companies may also raise auto insurance rates for drivers with policy lapses.
Save up to $1,100† per year on coverage
No matter how brief you need coverage for, use these steps to get car insurance quotes that meet your needs and your budget.
Understand your coverage needs. Liability insurance is mandatory in Arizona, but additional coverages aren’t. Compare rates for both liability-only and full-coverage plans.
Determine your temporary coverage timetable. Compare weekly and monthly car insurance rates to determine which not only fits your timetable but is also the most financially advantageous.
Shop around with traditional insurance companies. Many car insurance companies, like Allstate and GEICO, don’t charge cancellation fees for stopping a policy early. Their average monthly rates may be cheaper than weekly rates from another insurer.
Check out flexible payment options. Some companies, like Insurify Car, can help you secure the minimum car insurance coverage you need with rolling week-to-week payments.
Comparing all coverage options for car insurance in the Copper State before you apply for a policy can help you find the best fit. Here are some answers to common questions to help with your search.
No, you can’t flat-out purchase a temporary car insurance policy in Arizona. You can secure coverage through licensed insurers that offer per-week or per-mile payment terms and then cancel your policy when you’re finished.
Not traditional insurance. Unless you’re purchasing car insurance from a rental car company on their vehicles, it’s unlikely that you’ll find any legitimate insurer in Arizona offering one-day car insurance.
Car insurance costs in Arizona all depend on your driver profile and how long you retain the coverage. The monthly averages are $94 for a liability-only policy and $159 for a full-coverage policy.
You can get a car insurance policy for registering your car in Arizona. You can change policies at any time, but make sure you begin a new policy before canceling the old one.
No, flexible policies are usually liability-only. If you purchase a standard car insurance policy for temporary use in Arizona, you can choose between a liability-only and a full-coverage policy, which includes collision and comprehensive coverage.
Rideshare companies usually provide car insurance during an active rideshare transaction. You’ll need Arizona’s minimum insurance levels in the interim, including before you accept a passenger request. And, you’ll need rideshare insurance, either as an endorsement or a separate policy, to fully protect your vehicle while driving for a rideshare company.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Featured in
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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