Auto Insurance in Phoenix, AZ

Arizona requires drivers of any vehicle type to purchase auto liability insurance to help cover financial responsibility in the event of an accident. Your agent can help you understand how these requirements apply to your situation and can help you tailor your policy to provide appropriate financial protection.

While meeting your state’s minimum insurance requirements is mandatory, you may also consider optional coverages for added protection, including the following:

• Full coverage auto insurance may include collision and comprehensive coverage to help pay for damage to your vehicle after a covered accident or incident, regardless of fault.
• Medical payments coverage can help cover accident-related medical expenses for you and your passengers after a covered accident.
• Uninsured/underinsured motorist coverage can help pay for your damages after an incident where the at-fault driver is uninsured or has insufficient coverage for your injuries and property damage.
• Rental reimbursement coverage can help pay for your rental vehicle while your car is repaired after a covered accident or incident.
• Auto glass replacement can cover the cost of replacing your car’s windows, including the windshield, and typically does not require a deductible payment.
• Roadside assistance and towing can help cover common expenses if your car breaks down and you need to jumpstart the battery, run out of gas or get a flat tire.

How Insurers Determine Arizona Auto Insurance Rates

Numerous factors can influence the cost of auto insurance in Arizona, but some of the most important factors are your driving record, the type of vehicle you drive and your location. Phoenix drivers may pay slightly higher car insurance premiums because they live in a more congested area of the state.

A driving record free from moving violations and at-fault accidents can help lower your rates. Moving violations incur points violations in Arizona, depending on the severity of the incident. If you accumulate too many points, you may be required to attend Traffic Survival School (TSS) to keep your driving privileges.

The type of vehicle you drive affects your car insurance rates. If you drive a luxury vehicle that is more expensive to repair, you may pay more for insurance. Cars that are frequently stolen may also have higher premiums.

Contact Us

Contact Facil Insurance in Phoenix, AZ, for a personalized auto insurance quote. Our agents work with numerous Arizona insurers to find the ideal combination of coverage and price.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.