Shopping for Ahwatukee, AZ Auto Insurance?

Bundle your Ahwatukee, AZ Auto Insurance & Save

Bundle your Ahwatukee, AZ Auto Insurance with your Home Insurance and save up to 35%. Ask an agent.

Arizona Auto Insurance Discounts

Eligible high school and college students may receive discounts for maintaining a higher grade point average (GPA) of at least 3.0 or better.  Each insurance company has different requirements, ask the insurance agent for more details.

Auto Insurance Coverage

Collision Insurance – Pays for damage caused to your vehicle in an auto accident.  Collision coverage usually also comes with a deductible. The deductible is the amount of money you pay toward repairs before your collision insurance coverage begins paying. The higher the deductible you’re willing to pay, the lower the premium.  Although it’s not legally required by The State of Arizona, most banks will likely require this coverage if your vehicle is financed or leased.

Comprehensive Insurance – Covers damage to your car in some way other than a collision, such as if it were stolen, vandalized or catches fire.  Flood, windshield damage  are events usually covered by comprehensive auto insurance. Although it’s not legally required by The State of Arizona, most banks will likely require comprehensive coverage if your vehicle is financed or leased.

Arizona Auto Insurance State Minimum Limits

Arizona requires drivers to maintain car insurance that meets or exceeds the state minimum by Arizona Law. *

* As of July 1, 2020, Arizona Auto Insurance (State Minimum) Liability Limits increased to:

• Bodily injury liability coverage:  Minimum $25,000 bodily per person / $50,000 per accident
• Property damage liability coverage: $15,000 minimum
• Uninsured motorist bodily injury coverage: Minimum $25,000 per person / $50,000 per accident
• Underinsured motorist bodily injury coverage: Minimum $25,000 per person / $50,000 per accident

Note:  While we do not recommend it, Policyholders may reject uninsured and underinsured motorist coverage by signing a rejection form. Ask a licensed agent for details.

*While this is the Arizona State Minimum, we suggest our clients protect themselves by maintaining higher than state minimum auto insurance limits.

Arizona Auto Insurance Required for Registration

If you own a vehicle in Arizona, you are required to obtain Arizona Auto Insurance.  If you look at the stop of your Auto Insurance ID Card, it you show if you have Arizona Auto Insurance. If the Auto Insurance ID Card does not say “Arizona Auto Insurance” and has another state listed instead of Arizona, you will need to obtain Arizona Auto Insurance ASAP to comply with Arizona State Law or your Arizona Vehicle Registration will be suspended under the Arizona Mandatory Insurance Law.  In The State of Arizona, all vehicles registered in Arizona, must be insured with Arizona Auto Insurance under the Arizona Mandatory Insurance Law.