Most people think “full coverage” is car insurance with ALL the bells and whistles. This is not the case though. Full coverage includes state-required coverage as well as comprehensive and collision coverage.

Let us break that down a bit more for you….

Arizona requires liability insurance at limits of:

$25,000 per person in bodily injury
$50,000 maximum per accident in bodily injury
$15,000 in property damage

Full coverage is the above-mentioned liability PLUS comprehensive and collision coverage.

Full coverage does not include uninsured/underinsured coverage, medical payments, roadside assistance, or rental reimbursement. Those are ADDITIONAL coverages you may add.

Should I get Full Coverage in Arizona Calculator

Age of Vehicle0 to 2 yrs3 to 6 yrs7 to 10 yrs11 to 14 yrs14+ yrs old

Value of VehicleUnder $750$750 to $2,500$2,501 to $5,500$ 5,501 to $12,500$12,501 +

Monthly premium increase for Full coverageunknownLess than $65$66 to $125$125 and up

Under 6 = Liability / 7 to 9= Consider Full Coverage / 9 += Full Coverage RecommendedAlways talk with an insurance professional to discuss your specific needs.

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When seeking cheap full coverage insurance in Arizona, it’s crucial to understand the factors influencing premiums. On average, full coverage in Arizona costs around $150 to $200 per month for a typical driver with a clean record. However, rates can vary based on several factors such as:

• Age
• Driving history
• Vehicle make and model
• Coverage limits
• Deductible amount

To illustrate, here’s a comparison of average monthly premiums for full coverage from some of our partnered insurance carriers in Arizona:

Insurance Company	Average Monthly Premium
Progressive	$160
Geico	$170
State Farm	$180

By comparing quotes from multiple carriers, you can find the cheapest full coverage insurance that suits your needs and budget.

List of Factors Affecting Premiums:

• Age
• Driving history
• Vehicle make and model
• Coverage limits
• Deductible amount

Now that you know what full coverage actually includes lets explain each coverage a little bit more for you. If you have any questions regarding any of these coverages, please give us a call. One of our agents would be glad to answer any questions you may have regarding Arizona Auto Insurance.

Liability: covers you from paying out of pocket when you are found at fault in an accident. It pays for injuries and property damage to other up to the limits on your policy.

One thing to note is that Arizona is a comparative fault state. Meaning that if you are both found at fault or negligent in the cause of the accident, your insurance companies will have to split the cost. For example: you are found 60% at fault and another driver is 40% at fault or negligent, your insurance companies will pay out based on that percentage.

Comprehensive: pays for damage to your vehicle caused by things out side of your control that are not the result of an accident with another driver. Things such as hail damage, theft, vandalism, or even hitting a animal would be covered by this coverage.

Collision: also pays for damage to your vehicle when you are found at fault. Whether you are involved in accident with another vehicle, hit a guardrail or curb, or even a tree, this coverage would pay for the damages to your vehicle as long as it is a covered peril.

Comprehensive & Collision coverages both carry a deductible. The higher the deductible the lower the cost will be for your Full Coverage car insurance AZ.
A deductible is the amount you are responsible for as the insured to pay before the insurance company will pay. For example: If you have a $1000 deductible and hit a deer and that causes $5000 worth of damage to your vehicle. Insurance is going to pay $4000 for those damages. The other $1000 is your responsibility.

Uninsured/Underinsured Motorist: these coverages are optional in the state of Arizona and are NOT included in a full coverage auto policy.

Uninsured motorist coverage offers protection up to you liability limits if added to your policy. If you are involved in an accident that was NOT your fault and the other driver does NOT have insurance this is when this coverage goes into effect.

Underinsured Motorist is great for those that carry higher than the state required liability limits. This coverage will go into effect if you are found not at fault in an accident and the at fault driver has lower liability limits than you do.

An example of this would be: You have $100,000 per person in bodily injury, $300,000 per accident in bodily injury, and $100,000 in property damage. The other driver only have the state required limit. Underinsured motorist could go into effect and offer you coverage up to 100/300/100.

It is worth noting that uninsured/underinsured cannot be set at limits above your liability limits, however, if you do carry higher than the state minimum liability you will be able to select limits between the minimum and your current liability selections.

Medical Payments: this is another optional coverage you may purchase on top of your full coverage car insurance AZ. Medical payments pay out up to a set limit for you and the passengers in your vehicle for medical expenses regardless of who was at fault in the accident.

Roadside Assistance: this coverage varies from carrier to carrier. However, it is an additional coverage that typically helps cover things such as lock outs, help with a flat tire, towing, and running out of gas. We highly recommend you ask your agent about this additional coverage to know for certain what it does and does NOT cover based on your carrier.

Rental Reimbursement: the final additional coverage on top of full coverage car insurance AZ is rental reimbursement. This offers a set dollar amount per day up to 30 days for a rental vehicle while your car is being repaired due to a covered loss. This DOES NOT allow you to rent a car to go out of town, or for another reason other than a rental vehicle while your vehicle is being repaired after a claim or accident.

Below is a table that shows an average of what full coverage car in Arizona would cost. It is important to note that these are JUST averages and not guaranteed rates. There are many factors that can increase the cost of auto insurance.

The best way to get a verified rate is by contacting one of our agents. They are familiar with Arizona Auto Insurance and would be glad to help!

Company	Average Full Coverage Premium
State Farm	$145
Farmers	$148
Progressive	$152
American Family	$158
The General	$159
USAA	$159
National General	$160
Travelers	$160
AssuranceAmerica	$161
Bristol West	$161
GAINSCO	$163

First of all, what is an SR22? An SR22 is a financial responsibility form that is required by the state of Arizona after major violation or major accidents. It allows them to better track your insurance as well as guarantee that there is a $40,000 cash deposit or certificate deposit being held by the Arizona Office of Treasurer.

Depending on the carrier you an almost always add an SR22 to a full coverage auto policy. It will increase your premium though.

One IMPORTANT thing to note is that if you are required to have an SR22 it is SUPER important that you do NOT have a lapse in coverage. A lapse in coverage with an SR22 can potentially result in your license being suspended or revoked, additional fees, as well as extending the amount of time you are required to have the SR22.

Our agents are very knowledgeable when it comes to having the Cheapest Full Coverage Insurance in Arizona with SR22. Give us a call or send us a text with any questions or to receive a quick and FREE quote!

For more information or to get a quote, call us at 1.888.445.2793.

Last Updated on March 26, 2024 by Camron Moss