Car insurance is essential for Arizona drivers for many reasons, including: 

• High accident rates: Arizona’s busy highways and urban centers see their fair share of traffic incidents. 
• Extreme weather conditions: Dust storms, flash floods, and intense heat can lead to vehicle damage. 
• Uninsured motorists: With a high percentage of drivers in Arizona on the road without insurance, it’s critical to have a policy that protects you in all situations. 
• Urban centers and potential theft: Phoenix's growing urban areas can have higher rates of vehicle theft, making comprehensive car insurance a smart investment for protecting your vehicle. 

Arizona is an at-fault state, meaning that the driver responsible for an accident is required to pay for the damage and injuries they cause. The minimum coverage required by Arizona law includes: 

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum of $25,000 per person and $50,000 per accident. 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum coverage of $15,000 per accident 
• Uninsured/Underinsured Motorist Coverage: Split into bodily injury and property damage. Coverage for both your vehicle and injuries if the other party doesn't have sufficient insurance. Minimums are typically based on liability amounts.
  • Typically added to basic policies, but this coverage can be rejected in writing only. 

Liability coverage doesn’t cover any damage to your own vehicle if you’re at fault. To ensure better protection, additional coverage options may be necessary. 

A strong auto insurance policy in Arizona should go beyond the basics. Consider these optional coverages to better safeguard your vehicle: 

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Medical payments coverage (MedPay): Covers medical expenses for you and your passengers after an accident, regardless of who is at fault. 
• Roadside assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits. This could be helpful if an accident with severe damages exceeds the state minimums for liability. 

Some drivers may be in more unique situations that requires specific coverage, like a highly customized car. Goosehead Insurance specializes in crafting personalized policies for our clients, so we can work with you to create a policy that fits your needs. 

The cost of car insurance in Arizona depends on several factors outside of your coverage selections, such as: 

• Driving history: A clean record can significantly lower your premium. 
• Type of vehicle: Luxury cars or newer models may require more coverage and higher costs. 
• Location: Urban areas with heavy traffic, like Phoenix, may see higher premiums due to increased accident risk. 
• Age: Younger drivers, especially those under 25, often face higher premiums due to their increased risk of accidents. 

What you pay varies depending on the amount of coverage you select. For Arizona, drivers pay an average of $800 for the minimum amount of coverage, or around $2,800 on average for policies that have more coverage annually. 

Saving on auto insurance in Arizona is possible if you take the right steps: 

• Bundle policies: Combine home and auto insurance to receive discounted rates. 
• Maintain a good credit score: Insurers often use credit scores to determine premiums. 
• Ask for discounts: Many carriers offer discounts for safe drivers, defensive driving courses, and more. 

A car insurance policy doesn’t just mean protecting your car—it means protecting you, too. Here’s why Arizona drivers trust Goosehead Insurance: 

• Thorough Comparisons: We research and compare policies from top-rated carriers to ensure you get the best coverage tailored to your needs.  
• Personalized Guidance: Our expert agents break down your options and help you make informed decisions about your coverage.  
• Streamlined Process: We simplify every step of the insurance process, making it easy and stress-free for you.  
• Unmatched Support: Whether you have questions or need assistance, our dedicated team is just a call or click away.