Car Insurance in Phoenix, AZ

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Mercury Car Insurance in Phoenix

Mercury is committed to providing Phoenix drivers with affordable, comprehensive, and tailored car insurance solutions. Whether you’re commuting on the I-10 during rush hour or taking a leisurely drive through South Mountain Park, we can ensure that your coverage meets your specific needs. Plus, you can take advantage of multiple discounts, including up to 20% off for insuring multiple vehicles, 14% savings for paying in full, and 10% off for good students maintaining a “B” average or better.

Why Choose Mercury in Phoenix?

Tailored coverage: Our coverage options are designed to protect you against the unexpected, from the sweltering summer heat affecting your vehicle’s performance to the occasional flash floods during monsoon season.
Localized support: Our local agents are here to offer personalized support and advice, whether you’re a new resident navigating Arizona’s insurance requirements or a long-time Phoenix driver looking to optimize your coverage.
24/7 claims: Our streamlined claims process is designed for convenience and speed, helping you get back on the roads as quickly as possible.
Affordable rates: Mercury offers some of the cheapest car insurance rates in Phoenix, as well as discounts and bundling options to help you save even more. Drivers can enjoy up to 20% off with a multi-car discount, 14% savings for paying in full, and 10% off for students maintaining a “B” average or better. Additionally, accident-free drivers for three years can qualify for up to 7% in savings, while policyholders who bundle auto insurance with home or renters insurance can save up to 12%.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Phoenix, AZ?

Yes, Arizona law mandates that all drivers must carry auto insurance. Understanding these requirements ensures you remain compliant and adequately protected while on the road.

Legal Requirements to Drive in Phoenix

According to the Arizona Department of Insurance and Financial Institutions, the state mandates the following minimum coverage limits:

Bodily injury liability: $25,000 per person and $50,000 per accident. This coverage pays for injuries that you cause to someone else.
Property damage liability: $15,000 per accident. This coverage pays for damage you cause to another person’s property with your vehicle.

Optional Phoenix Car Insurance Coverages

While the law requires liability coverage, several other types of insurance are available to enhance your protection on the road. Here are some optional coverages you might consider:

Collision coverage: Pays for damage to your vehicle resulting from a collision, regardless of who’s at fault. This is particularly important in Phoenix, where dense traffic can increase the likelihood of accidents.
Comprehensive coverage: Provides coverage for a range of non-collision incidents such as theft, vandalism, and weather-related damage, which is crucial in Phoenix, where summer storms and heat can unexpectedly damage vehicles.
Uninsured/underinsured motorist coverage: Offers protection if you’re involved in an accident with a driver who either lacks sufficient insurance or is not insured at all.
Medical payments coverage: Helps pay for medical expenses associated with a car accident, regardless of who’s at fault. This can be vital for covering immediate medical costs for you and your passengers.
Personal injury protection (PIP): PIP can be beneficial as it covers medical expenses, lost wages, and other incidental costs resulting from an injury in an auto accident, regardless of fault.

What Does Phoenix Auto Insurance Not Cover?

Most car insurance policies have specific exclusions that define what the insurance company will not pay for. Here are some typical exclusions you might encounter in auto insurance policies:

Intentional damage: Auto insurance doesn’t cover damages you intentionally cause to your vehicle or another vehicle.
Wear and tear: Insurance policies don't cover a vehicle's normal aging and wear. This includes routine maintenance issues such as oil changes, tire wear, brake pads, and similar upkeep necessities.
Racing: Damages incurred while participating in racing or any form of competitive driving are generally not covered by standard auto insurance policies.
Commercial use: If you use your vehicle for business, such as making deliveries, you’ll likely need a business auto insurance policy to get coverage.
Personal belongings: Personal items left in the vehicle that are damaged or stolen usually are not covered under an auto insurance policy. You’ll need homeowners or renters insurance to get coverage for these items.

How to Get Car Insurance in Phoenix, AZ

Finding the best car insurance doesn’t have to be a hassle. Visit our Arizona Insurance Agents page to find an agent near you. Compare quotes to find the right coverage that fits your needs and budget, and drive confidently through Phoenix knowing you’re getting the best deal with Mercury.

Start Your Online Quote Today!

Portrait of woman enjoying road trip in open top classic car

Get Cheap Auto Insurance in Phoenix from Mercury

Mercury already provides some of the cheapest car insurance in Phoenix, but we also offer a variety of ways to keep your premiums low while maintaining the protection you need on the road. Explore our stackable discount opportunities and bundling options to save more on your car insurance.

Save More with Discounts

Mercury believes in rewarding responsible drivers and offers several discounts that can significantly lower your auto insurance premiums:

Multi-car discount: Insure more than one vehicle and save up to 20% on your policy.
Accident-free discount: Stay accident- and violation-free for three years and receive up to 7% off your premium.
Paid-in-full discount: Save up to 14% when you pay your policy in full.
Automatic payment discount: Set up auto-pay from your bank account and get 6% off your premium.
Good student discount: Students under 23 who maintain a “B” average or better can qualify for up to 10% off their insurance.
Good payer discount: No late payments or insufficient funds charges in the last three years can qualify you for 5% off.
Multi-policy discount: Bundle your auto insurance with homeowners or renters insurance and save up to 12%.

These are just a few ways you can save with Mercury. Contact a local agent to discuss all available discount options and find the best fit for your budget and lifestyle.

Phoenix midtown skyline with a Saguaro Cactus and other desert scenery in the foreground.

The red sandstone buttes of Papago Park in Phoenix, Arizona after sunset.

Bundling with Mercury

Maximize your savings by bundling your auto insurance with home or renters insurance. With combined coverage, you deal with one provider and one renewal date, making the process more streamlined and manageable.

Phoenix home insurance: Protect your home and personal property from unexpected events such as theft, fire, or natural disasters.
Phoenix renters insurance: If you’re renting in Phoenix, securing renters insurance can safeguard your belongings and cover potential liabilities. It’s an affordable way to ensure peace of mind, covering everything from furniture and electronics to personal liability.