Get Cheap Full Coverage Insurance Arizona – Save Up to 40% Today!
Discover affordable Arizona full coverage auto insurance with comprehensive protection that meets state requirements. Our agents help you find the cheapest full coverage insurance Arizona drivers trust.
Why Arizona Drivers Choose Our Cheap Full Coverage Insurance
When searching for cheap full coverage insurance Arizona residents need reliable protection at affordable rates. Our agency specializes in finding the best deals while ensuring you have comprehensive coverage that meets Arizona’s strict requirements.
Lowest Rates Guaranteed
We compare 25+ carriers to find you the cheapest full coverage insurance Arizona offers. Average savings of $487/year for full coverage policies. Our multi-carrier approach ensures you never overpay for quality protection.
Instant SR-22 Filing
Need SR-22 insurance? We file electronically same-day. Specializing in high-risk coverage for Arizona drivers with violations. We understand Arizona’s financial responsibility requirements and help you maintain compliance.
Local Arizona Experts
Our agents know Arizona’s 25/50/15 requirements inside-out. Get personalized advice for your specific situation in Phoenix, Tucson, Mesa, and statewide. We’ve been serving Arizona drivers for over 15 years with trusted insurance solutions.
Arizona Full Coverage Insurance Requirements
Minimum Liability in Arizona: $25,000 per person / $50,000 per accident bodily injury + $15,000 property damage. Full coverage adds comprehensive and collision for complete protection. Understanding these requirements helps you get the right cheap full coverage insurance Arizona law requires while maximizing your protection.
What’s Included in Full Coverage Insurance Arizona?
Full coverage insurance in Arizona combines state-required liability with optional protections. This comprehensive approach ensures you’re covered in most driving scenarios, from minor fender benders to major accidents.
| Coverage Type | What It Covers | Arizona Requirement |
|---|---|---|
| Liability Insurance | Injuries and damage you cause to others in an accident | Required by law for all drivers |
| Comprehensive Coverage | Theft, vandalism, weather damage, animal collisions, and non-accident damage | Optional (essential part of full coverage) |
| Collision Coverage | Accidents with vehicles or objects, regardless of fault | Optional (essential part of full coverage) |
| Uninsured Motorist | When hit by uninsured or underinsured drivers | Optional but highly recommended in Arizona |
| Medical Payments | Medical expenses for you and passengers after an accident | Optional additional protection |
Looking for more auto insurance options? We also offer recreational vehicle insurance and specialized coverage for all Arizona drivers. Our comprehensive approach ensures you get the right cheap full coverage insurance Arizona drivers need at prices they can afford.
Arizona Full Coverage Insurance Costs
Understanding the average costs helps you find the best cheap full coverage insurance Arizona companies offer. Premiums vary based on driving history, location, vehicle type, and coverage limits.
Important Fact: Arizona full coverage averages $150-$200/month, but our customers save average 22% through our multi-carrier comparison system. Get your personalized quote to see exact savings on cheap full coverage insurance Arizona drivers deserve.
Factors That Affect Your Arizona Insurance Premium
Several factors determine your final rate when shopping for cheap full coverage insurance Arizona providers offer:
- Driving Record: Clean records get the best rates on cheap full coverage insurance Arizona
- Vehicle Type: Newer, more expensive vehicles cost more to insure
- Location: Urban areas like Scottsdale typically have higher rates than rural areas
- Coverage Limits: Higher limits increase premiums but provide better protection
- Deductibles: Choosing higher deductibles lowers monthly payments
- Credit Score: Where allowed by law, better credit scores can lower rates
- Annual Mileage: Less driving typically means lower insurance costs
Frequently Asked Questions: Cheap Full Coverage Insurance Arizona
Get answers to the most common questions about finding and maintaining affordable full coverage insurance in Arizona.
What is considered full coverage insurance in Arizona?
Full coverage in Arizona includes the state-required liability insurance (25/50/15) plus comprehensive and collision coverage. This provides protection for damage to your vehicle regardless of fault, plus coverage for non-collision incidents like theft or weather damage. It’s the most complete auto insurance package available and what most lenders require for financed vehicles.
How can I get the cheapest full coverage insurance in Arizona?
To get cheap full coverage insurance Arizona offers, compare multiple quotes, maintain a clean driving record, bundle policies, and choose higher deductibles. We compare rates from 25+ carriers to ensure you get the lowest price. Also check if you qualify for discounts like safe driver, multi-car, or good student discounts. Regular comparison shopping ensures you always have the best rate on your Arizona insurance.
What factors affect full coverage insurance costs in Arizona?
Key factors include: driving history, age, vehicle make/model, credit score (where allowed), coverage limits, deductibles, and location within Arizona. Urban areas like Scottsdale may have different rates than rural areas. We analyze all factors to find your best rate on cheap full coverage insurance Arizona residents need.
Can I get full coverage with an SR-22 in Arizona?
Yes! We specialize in SR-22 insurance with full coverage. Even with violations like DUI or multiple tickets, we can find affordable options. Our electronic filing ensures quick compliance with Arizona’s SR-22 requirements. We help high-risk drivers get back on the road with proper insurance at competitive rates.
What optional coverages should I consider with full coverage?
Consider adding: uninsured/underinsured motorist coverage, rental car reimbursement, roadside assistance, and gap insurance (for new cars). These provide extra protection beyond basic full coverage. Compare providers to see which offers the best value for add-ons. Each additional coverage enhances your protection when searching for cheap full coverage insurance Arizona drivers need.
How often should I review my Arizona insurance policy?
Review your cheap full coverage insurance Arizona policy annually or whenever you experience major life changes like moving, buying a new car, or changes in your driving habits. Regular reviews ensure you maintain adequate coverage at the best possible rate. Our agents provide annual check-ups to keep your insurance optimized.
More Insurance Solutions for Arizona Residents
Beyond cheap full coverage insurance Arizona drivers need, we offer complete insurance solutions for all your protection needs. Our agency provides comprehensive coverage options throughout Arizona and beyond.
- Arizona Homeowners Insurance – Protect your largest investment with comprehensive property coverage
- Business Insurance – Complete coverage solutions for Arizona businesses of all sizes
- Motorcycle & RV Insurance – Specialized recreational coverage for Arizona adventurers
- Multi-State Coverage – Protection across state lines for frequent travelers
- Colorado Insurance – Coverage options for Arizona residents with properties in neighboring states
- New Mexico Insurance – Cross-border coverage solutions
Bundle policies for additional savings on your car insurance and other coverage needs. Our multi-policy discounts can save you up to 25% on your total insurance costs.
Last Updated on by Brian Muse