- Cheap Full Coverage Insurance in Arizona – What You Need to Know
- How much is full coverage in Arizona?
- Full Coverage Car Insurance in Arizona – Optional Coverage
- Cheapest Full Coverage Insurance in Arizona
- SR22 & Full Coverage Car Insurance In Arizona
- SR-22 & Full Coverage Car Insurance in Arizona
- What is considered full coverage insurance in Arizona?
- How can I reduce my full coverage insurance rates in Arizona?
- Where can I get a competitive quote for full coverage insurance in Arizona?
- What is the minimum full coverage insurance in Arizona?
- What We Do at A Plus Insurance
Cheap Full Coverage Insurance in Arizona – What You Need to Know
Many people think “full coverage” car insurance includes every possible protection, but that’s not the case. In Arizona, full coverage consists of the state-required liability insurance plus comprehensive and collision coverage.
What Does Arizona Require for Auto Insurance?
Arizona law mandates the following minimum liability coverage limits:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 for property damage
What is Considered Full Coverage?
Full coverage goes beyond the minimum liability requirements and includes:
- Liability Insurance – Covers damages or injuries you cause to others.
- Comprehensive Coverage – Protects against non-collision incidents like theft, vandalism, or weather damage.
- Collision Coverage – Covers damage to your vehicle from an accident, regardless of fault.
What is NOT Included in Full Coverage?
Full coverage does NOT automatically include:
- Uninsured/Underinsured Motorist Coverage – Protection if you’re hit by a driver without insurance.
- Medical Payments Coverage – Helps pay for medical bills after an accident.
- Roadside Assistance – Coverage for towing, flat tires, or other breakdown services.
- Rental Reimbursement – Pays for a rental car while your vehicle is being repaired.
How to Find Cheap Full Coverage Car Insurance in Arizona
If you’re looking for affordable full coverage insurance, consider these tips:
- Compare Quotes – Rates vary by insurer, so shop around for the best price.
- Bundle Policies – Many insurers offer discounts when you bundle auto and home insurance.
- Increase Your Deductible – Higher deductibles lower monthly premiums.
- Maintain a Clean Driving Record – Fewer violations help reduce insurance costs.
Get a Free Full Coverage Insurance Quote Today
Want affordable full coverage car insurance in Arizona? Contact us now for a free quote and find the best policy that fits your needs and budget!
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.
How much is full coverage in Arizona?
Cheap Full Coverage Insurance in Arizona – What You Need to Know
When searching for affordable full coverage auto insurance in Arizona, it’s important to understand the factors that influence your premium. On average, full coverage in Arizona costs between $150 to $200 per month for a driver with a clean record. However, rates vary depending on several factors, including:
Deductible Amount – Choosing a higher deductible can lower your monthly cost.
Age – Younger drivers typically pay higher premiums.
Driving History – A clean record leads to lower costs, while accidents or violations increase rates.
Vehicle Make and Model – Expensive or high-performance cars generally cost more to insure.
Coverage Limits – Higher coverage limits offer more protection but increase premiums.
| 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
Full Coverage Car Insurance in Arizona – Optional Coverage
When considering full coverage auto insurance in Arizona, it’s important to understand what’s included and which optional coverages can provide added protection. If you have questions about these options, our agents are here to help.
What Does Full Coverage Include?
Full coverage in Arizona consists of liability insurance along with comprehensive and collision coverage:
- Liability Insurance – Covers injuries and property damage to others if you are at fault in an accident.
- Comprehensive Coverage – Protects against non-collision events such as theft, vandalism, hail damage, and animal collisions.
- Collision Coverage – Pays for damage to your vehicle from accidents, including crashes with other vehicles, guardrails, or trees.
Arizona’s Comparative Fault Law
Arizona follows a comparative fault rule, meaning if both drivers share fault in an accident, the cost of damages is divided based on fault percentage. For example, if you are found 60% responsible, your insurance will cover 60% of the damages, while the other party’s insurer covers 40%.
Optional Coverages for Additional Protection
Full coverage policies can be customized with optional add-ons, including:
Uninsured/Underinsured Motorist Coverage (Optional)
- Protects you if an at-fault driver lacks sufficient insurance.
- Coverage can match your liability limits but cannot exceed them.
- Example: If you have 100/300/100 coverage and the at-fault driver carries only state minimum limits, underinsured motorist coverage helps cover the difference.
Medical Payments Coverage (Optional)
- Covers medical expenses for you and your passengers, regardless of fault.
- Can be used alongside health insurance to cover out-of-pocket costs.
Roadside Assistance (Optional)
- Coverage varies by provider but may include:
- Towing services
- Jump-starts
- Lockout assistance
- Fuel delivery
Rental Reimbursement (Optional)
- Pays for a rental car while your vehicle is being repaired due to a covered loss.
- Note: This does not cover rentals for vacations or non-claim-related use.
Deductibles and How They Impact Your Premium
- Comprehensive and collision coverage require a deductible.
- Higher deductibles lower your premium, while lower deductibles reduce out-of-pocket costs during a claim.
- Example: If you have a $1,000 deductible and your vehicle sustains $5,000 in damage, insurance pays $4,000, and you cover the remaining $1,000.
Find the Best Full Coverage Car Insurance in Arizona
Looking for affordable full coverage auto insurance? Contact us today for a free, no-obligation quote and let us help you find the best policy to fit your needs and budget!
Cheapest Full Coverage Insurance in Arizona
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 |
SR22 & Full Coverage Car Insurance In Arizona
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.
SR-22 & Full Coverage Car Insurance in Arizona
What is an SR-22?
An SR-22 is a financial responsibility form required by the state of Arizona after major violations or serious accidents. This form allows the state to track your insurance status and ensures that you meet Arizona’s minimum financial responsibility requirements.
Arizona requires either a $40,000 cash deposit or a certificate deposit held by the Arizona Office of the Treasurer as proof of financial responsibility for high-risk drivers.
Can You Add an SR-22 to a Full Coverage Policy?
Yes, you can typically add an SR-22 to a full coverage auto insurance policy. However, it will increase your premium. Full coverage includes:
- Liability Insurance – Covers injuries and property damage you cause to others.
- Comprehensive Coverage – Pays for non-collision-related damage like theft, hail, vandalism, or animal collisions.
- Collision Coverage – Covers damage to your vehicle from accidents, regardless of fault.
The Importance of Maintaining SR-22 Coverage
If you are required to have an SR-22, it is critical that you do not let your coverage lapse. A lapse in coverage can result in:
- License suspension or revocation
- Additional fees and fines
- Extended SR-22 requirements
How to Get the Cheapest SR-22 & Full Coverage Insurance in Arizona
Our experienced agents specialize in finding the cheapest SR-22 and full coverage insurance options in Arizona. Here are some ways to lower your costs:
- Compare multiple quotes – Rates vary between providers, so shopping around can help.
- Maintain a clean driving record – Avoid additional violations that could increase your premium.
- Choose a higher deductible – A higher deductible reduces your monthly premium.
- Ask about discounts – Many insurers offer discounts for bundling policies or setting up automatic payments.
Get a Fast & Free SR-22 Insurance Quote Today
Need affordable SR-22 insurance in Arizona? Call us or send a text for a quick and free quote. Our agents are ready to help you get back on the road with the right coverage at the best price!
For more information or to get a quote, call us at 1.888.445.2793.
What is considered full coverage insurance in Arizona?
Full coverage insurance in Arizona typically includes liability insurance, comprehensive, and collision insurance. This ensures you are covered for most road incidents and damage to your vehicle. To understand the specifics of what is covered under a full coverage policy, contact us at 1.888.445.2793.
How can I reduce my full coverage insurance rates in Arizona?
Reducing your full coverage insurance rates can be achieved by maintaining a clean driving record, opting for higher deductibles, and qualifying for discounts. Insurers often offer reductions for safe drivers, multiple policies, and vehicles equipped with safety features.
Where can I get a competitive quote for full coverage insurance in Arizona?
For a competitive quote on full coverage insurance in Arizona, you should compare rates from various providers. We can help you with this process and find a policy that fits your needs and budget. Give us a call at 1.888.445.2793 for a personalized quote.
What is the minimum full coverage insurance in Arizona?
The minimum full coverage insurance requirements in Arizona may vary, but typically, it includes liability coverage that meets the state’s mandatory limits. However, full coverage insurance may include additional coverages such as comprehensive and collision insurance. To ensure you have the appropriate coverage, it’s best to consult with our experts by calling 1.888.445.2793.
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Last Updated on by Brian Muse