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Search by Quote ID → Search by Date of BirthArizona Car Insurance
Driving in Arizona is a scenic and unique experience, from the breathtaking desert landscapes to the hustle and bustle of Phoenix. However, the Grand Canyon State comes with some risks, from sudden monsoon storms and desert dust clouds to busy city traffic and open highways. But with the right auto insurance, you can enjoy every mile with confidence knowing you’re prepared for whatever Arizona’s roads bring your way. If you’re looking for reliable, affordable coverage, Mercury has you covered.
Arizona Auto Insurance Requirements
Arizona law requires all drivers to carry minimum car insurance coverage, which includes:
- Bodily injury liability: $25,000 per person/$50,000 per accident. This coverage helps pay for the other party’s medical expenses if you’re found responsible for an accident.
- Property damage liability: $15,000 per accident. This coverage helps pay for the other party’s property damage if you’re at fault in an accident.
You can also add additional auto coverages to your insurance policy for better protection, which includes:
- Collision protection: This covers repairs to your own vehicle if you’re in an accident, regardless of who is at fault.
- Comprehensive coverage: This offers coverage for non-collision events like theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This steps in if you’re in an accident with a driver who doesn’t have enough (or any) insurance to cover your costs.
- Medical payments coverage: This helps pay for medical expenses for you and your passengers, regardless of fault.
- Personal injury protection (PIP): PIP covers medical expenses, lost wages, and other related costs for you and your passengers.
What Is Full Coverage Auto Insurance in Arizona?
Full coverage auto insurance typically combines three main types of protection: liability, collision, and comprehensive coverage. Although it’s not required by law, full coverage is a smart choice if you’re looking for added peace of mind and extra protection for your own vehicle.
How Much Is Car Insurance in Arizona?
According to Bankrate, the average cost of car insurance in Arizona is $2,737 per year for full coverage and $864 per year for minimum coverage. However, your premium can be lower or higher depending on factors like location, vehicle type, and driving history.
Get Car Insurance Savings & Discounts in Arizona
Mercury makes it easy to save on your car insurance with various discounts, including:
- Multi-Car Discount: Got more than one vehicle in the household? Insuring them all with Mercury could save you up to 20%.
- 3-Year Accident-Free Discount: You could qualify for a 7% discount for being accident-free for the past three years.
- Paid in Full Discount: If you choose to pay your premium in full, you can enjoy up to 14% in savings.
- Good Student Discount: Students under 23 who maintain a “B” average or better can qualify for up to a 10% discount.
- Automatic Payment Discount: Sign up for automatic payments from your bank account and get a 6% discount on your premium.
- Good Payer Discount: No late payments or non-sufficient funds charges in the last three years? This could earn you an additional 5% discount.
- Multi-Policy Discount: Bundle your car insurance with your homeowners or renters policy, and you can save up to 12%.
These are just a few of the discounts available to Arizona drivers. Contact a local agent today to learn about all our discounts and see how much you can save.
How to Get Car Insurance in Arizona
Ready to get started with reliable, cheap car insurance? Contact a local Mercury agent to discuss your options and get a personalized quote. You can also start a quote online or call us at (800) 657-3542.
Factors Affecting Car Insurance Rates in Arizona
When it comes to car insurance rates in Arizona, several factors come into play. Here’s a look at what influences your premium:
- Driving history: If you’ve had accidents, traffic violations, or a DUI, insurers may see you as a higher risk, leading to increased rates.
- Age and gender: Younger drivers, especially teens, generally face higher rates due to their limited experience on the road. Gender can also impact premiums, with some insurers adjusting rates based on statistics related to accident likelihood.
- Location: High-traffic areas, like Phoenix or Tucson, come with a bit more risk, so your rates might be higher than if you were out in a quieter, rural area.
- Vehicle type: Luxury or high-performance cars generally cost more to insure, while older, safer models might keep things more affordable.
- Credit score: A higher score often means better rates, as insurers see this as a sign you’re likely to be responsible with payments and claims.
- Coverage options: Going for higher limits, full coverage, or adding options like uninsured motorist protection increases the cost but offers more protection.
Top-Rated Auto Insurance in Arizona
Mercury has been delivering best-in-class coverage and customer service for over 60 years. Our commitment to providing quality insurance at affordable rates has earned us recognition and trust from both our customers and industry experts.
Forbes has named Mercury one of America’s Most Trustworthy Financial Companies multiple times. In 2021, we were named Best Insurer for Overall Satisfaction in the Shopping Segment of the J.D. Power U.S. Digital Experience Study. We were also honored by Forbes as one of the Best Insurance Companies in America for 2022. Read about their experiences.
Arizona drivers also praise our products and services. Here’s what they have to say about Mercury:
Quick and easy great prices
from Mercury Customer
Ali in Phoenix
Great.
New customer
from Mercury Customer
Fuzzy in Show Low
Portal is very user friendly, options were clear. Very competitive pricing and Mercury did their research by checking my history. I will likely look into using Mercury for additional coverages. Well done.
Pleasently Surprised
from Mercury Customer
MJ in Fort Mohave
Agent Richard was great....better price and coverage than I had before for autos and home.
Mercury Insurance Coverage in Arizona
Here are the products Mercury offers to Arizona residents:
Learn More About Car Insurance
Check out our top blogs to learn more about auto insurance:
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Car Insurance When Moving States: Steps to Ensure a Smooth TransitionArizona Car Insurance FAQs
What is the average monthly payment for car insurance in Arizona?
According to Bankrate, the average cost of car insurance in Arizona is $2,737 per year for full coverage and $864 per year for minimum coverage.
Why is car insurance so expensive in Arizona?
Car insurance can be expensive in Arizona due to factors like high accident rates in busy cities, extreme weather conditions (like monsoons and dust storms), and a large number of uninsured drivers. These risks drive up costs for insurers, which affects premiums for everyone.
Do you need insurance to register a car in Arizona?
Yes, you need insurance to register a car in Arizona.
How much car insurance do I need in Arizona?
You need to carry at least the state’s minimum requirements, but this may not be enough to keep you protected. Contact an agent today and they can help customize a policy tailored to your needs and budget.
Can I have out-of-state car insurance in Arizona?
No, you can’t have out-of-state car insurance if you live in Arizona.
How to lower my car insurance in Arizona?
To lower your car insurance in Arizona, explore available discounts like safe driver, multi-car, or bundling discounts if you also have home or renters insurance. Maintaining a clean driving record, improving your credit score, and choosing a higher deductible can also help reduce your premium.
Can you get car insurance without a license in Arizona?
Yes, it’s possible to get car insurance in Arizona even without a driver’s license. This can be helpful if you own a vehicle but don’t drive, or if you’re insuring a car for someone else, like a family member. If you’re in this situation, contact an agent to find the right coverage for your needs.
What happens if you don't have car insurance in Arizona?
If you don’t have car insurance, your vehicle registration or driver’s license could be suspended. To get these reinstated, you’ll need to pay fees and file an SR22 form with the state, which you’re required to keep for three years.
Can you buy a car without insurance in Arizona?
You might be able to purchase a car without insurance, but you won’t be able to register or legally drive your vehicle.
Is Arizona a no-fault auto insurance state?
No, Arizona is not a no-fault auto insurance state. Instead, it follows a “fault” system, meaning the driver responsible for causing an accident is also responsible for covering the resulting damages.
Is there a grace period for car insurance in Arizona?
Yes, the grace period for new car insurance is usually seven to 30 days.
What is the threshold for totaling a car in Arizona?
In Arizona, a car is usually considered “totaled” if the repair costs are more than 70% of what the car was worth before the accident. When this happens, the insurance company will likely declare it a total loss and offer a payout based on its market value before the damage.
Can you get insurance on a car you don't own in Arizona?
Yes, you can get a non-owner car insurance policy in Arizona, which is useful if you frequently rent vehicles or drive a family member’s car.
What are helpful resources for Arizona drivers?
The following are some helpful resources for Arizona drivers: