AZ Car Insurance Quotes
Car & Home Insurance in Arizona from top-rated insurance companies
Ways to help lower your Arizona Auto Insurance – Discounts
Bundle & Save up to 40% on your Arizona Auto Insurance:
- Bundle Auto Insurance with your Home Insurance
- Bundle Auto Insurance with your Condo Insurance
- Bundle Car Insurance with your Class A Motorhome Insurance
- Bundle Auto & Property Insurance with Motorcycle Insurance
- Bundle Auto & Property Insurance with Personal Umbrella Insurance
- Bundle Auto & Home Insurance with your Watercraft Insurance
Good Driver or Safe Driver Discount – You may be eligible to receive this Auto Insurance discount if each of the drivers in the household has had no moving violations such as accidents, speeding tickets or reckless driving and no at-fault accidents.
Advanced Quote Discount – If you call for an auto insurance quote at least 8 days prior to your auto insurance renewal or the car insurance policy effective date, you may receive an advanced quote discount on your auto insurance policy.
Claims Free Discount – If you car insurance policy has had no claims the past several years (period of time usually 5 to 7 years depending on insurance company), most auto insurance policies are eligible to receive a claims free discount.
When shopping for Arizona Car Insurance, remember that car insurance companies can use the following factors to determine rates when shopping for car insurance:
- Driving record
- Age
- Gender
- Marital status
- Location
- Your car’s make and model
- Your average mileage
- Credit history
- The types of optional car insurance you purchase
- Your deductible (out-of-pocket expenses you must pay towards a claim)
- The higher your deductible, the lower your premium
Good Student Discount – Do you have a student in high school or college with a GPA of 3.0 or better? Your car insurance could qualify for a Good Student discount if your child is listed as a driver on the car insurance policy and is over 16 years of age and is a full-time student (high school or college). Eligible high school and college students may receive Car Insurance Discounts for maintaining a higher grade point average (GPA). Each insurance company has different requirements, ask your agent at Greene Insurance for more details.
Student Away at School Discount – See below for who qualifies for discount on auto insurance
- Is a student who resides at a school more than 100 miles away from home with no vehicle in their possession at school.
- Drives the auto at the primary residence only while home during the school vacation, breaks or holidays.
Arizona State Minimum Car Insurance Requirements:
If you own and register a vehicle(s) in the State of Arizona, you must obtain Arizona Car Insurance which complies with state law. Car Insurance protects you, others and your finances in the event of a car accident.*
What is the minimum required coverage in Arizona?
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability
* The State of Arizona monitors car insurance compliance through an insurance carrier database with insurance reporting by the car VIN number. Make sure your car insurance company has the correct VIN # for proper reporting to the State of Arizona.
If you are found not to have your vehicle insured with at least the state minimum required car insurance limits, your vehicle registration and driver’s license can and will be suspended by the State of Arizona.
You are required to carry an auto insurance identification card in your vehicle at all times. If you are involved in an accident or stopped for a moving violation, you will be asked to provide the police officer the auto insurance id card as proof of insurance. If you are unable to provide a police officer with proof of Arizona Car Insurance, you will be considered an un-insured driver and likely be issued a traffic citation.
If you are convicted of driving a vehicle registered in the State of Arizona without a valid Arizona Car Insurance policy, you will face the following penalties:
- Suspension of your Arizona Vehicle registration
- Fines
- Possible suspension of your Arizona Drivers License
AZ Car Insurance Coverage:
Uninsured and Under-insured Motorist Insurance
We recommend Arizona drivers carry un-insured and under-insured motorists bodily injury coverage to help cover injuries to you and/or your passengers in a car accident with an un-insured driver (or a driver whose auto insurance limits are not adequate to cover your costs). Un-insured/under-insured motorist car insurance coverage will not cover property damage.
Optional Car Insurance coverage
When shopping for AZ Car Insurance, consider optional coverage types for further protection. Most Car Insurance companies offer the following types of optional coverage:
- Collision – This will help cover body damages or repairs to your car after an car accident.
- Comprehensive – Helps pay for repairs of non accident-related damages to your car such as fire, theft, vandalism, hail, glass, falling objects.
- Medical payments – This will help cover costs from accident-related injuries to yourself or passengers.
- Uninsured motorist property damage – This will cover damage to your car after an auto accident with an un-insured driver when you do not have collision coverage.
Car Insurance is Required in AZ
The State of Arizona monitors Car Insurance compliance through:
- An insurance carrier database with insurance reporting by the car VIN number. Make sure your car insurance company has the correct VIN # for proper reporting to the State of Arizona.
- Verification of proof of insurance during traffic stops.
If you are found not to have a vehicle insured with at least the state minimum required car insurance limits, your vehicle registration and drivers license can and will be suspended by the State of Arizona.
Traffic Stops
You are required to carry an insurance identification card in your vehicle at all times. If you are involved in an accident or stopped for a moving violation, you will be asked to provide the police officer the auto insurance id card as proof of insurance. If you are unable to provide a police officer with proof of Arizona Car Insurance, you will be considered an un-insured driver and likely be issued a traffic citation. If you are convicted of driving without a valid insurance policy, you will face the following penalties:
- Suspension of your auto vehicle registration
- Fine
SR-22 Auto Insurance in Arizona
Financial Responsibility Insurance (SR-22/SR22), helps monitor drivers with poor driving records by ensuring that they have car insurance. You may be required to purchase SR-22 insurance and file an SR-22 certificate if you:
- Have several traffic violations on your record.
- Have several insurance violations.
- Have had your driver’s license suspended or revoked.
Your car insurance company can file an SR-22 certificate with the State of Arizona on your behalf.
What determines Arizona Car Insurance Prices
When shopping for AZ Car Insurance, remember that car insurance companies can use the following factors to determine rates when shopping for car insurance:
- Driving record
- Age
- Gender
- Marital status
- Location
- Your car’s make and model
- Your average mileage
- Credit history
- The types of optional car insurance you purchase
- Your deductible (out-of-pocket expenses you must pay towards a claim)
- The higher your deductible, the lower your premium
Arizona Car Insurance Discounts
One way to get affordable car insurance rates is to take advantage of any discounts for which you are eligible. When making car insurance comparisons, ask about the following standard discounts:
- Good or Safe Driver discount – Most Car Insurance Companies offer for those Ticket and Accident Free for 5 years
- Good student discount – Typically a full time student under 24 years of age with GPA of 3.0 or better
- Multi-car discount – More than one vehicle insured on same policy
- Homeowner’s discount – Insure your car and home with same insurance company for multi-policy discount
- Defensive driver discount – This is usually afforded to senior citizens or new student drivers after taking a defensive driving course.
- Anti-theft device – Security Alarm on vehicle
While discounts are a great way to get low-cost car insurance, your best bet for affordable Arizona car insurance rates is to maintain a clean driving record. Obey traffic laws and drive safely to get the best possible rates.
Arizona Car Insurance Requirements
To comply with Arizona Insurance Laws, you are required to maintain liability insurance and property damage on your automobile insurance.
Liability insurance helps cover your costs associated with injuries and property damage to others resulting from a car accident you cause.
As of July 1, 2020, the Arizona State Minimum Car Insurance Limits:
- $25,000 for bodily injury per person
- $50,000 total for bodily injury per accident
- $15,000 for property damage
The State of Arizona monitors your car insurance status by checking vehicle identification numbers (VIN) to ensure each vehicle carries the Arizona Mandatory Car Insurance Limits. Don’t be caught off guard. The State of Arizona will suspend drivers licenses and vehicle registrations on those motorists without the State Minimum Limits.
Client Reviews & Testimonials
Arizona Insurance Agent
As an locally-owned Arizona Insurance Agency, our family has been dedicated to safeguarding families and businesses with comprehensive insurance solutions for over 63 years. As a family-owned Independent Insurance Agent in Arizona, we offer insurance from dozens of top-rated insurance companies. Save time and hassles of shopping for insurance and know our team is here to assist you with all your insurance needs. Our Licensed Agents will review your present insurance coverage and suggest the best protection at competitive prices. Greene Insurance Group will provide you with the peace of mind you deserve, knowing that your personal or business insurance needs are protected by trusted and licensed insurance professionals.
Why Select Greene Insurance Group?
At Greene Insurance, We provide best in class service to our clients. As a locally-owned Arizona Insurance Agency, we provide personalized service you won’t find with big call centers abroad or online-only providers. We know how difficult and frustrating it can be to when your unable to reach a live person or transferred from department to department when calling large companies. Many companies are now forcing their customers to use chat bots or AI systems oftentimes leaving people frustrated with no answers, no point of contact and no local office to visit.
Once you select Greene Insurance as your Independent Insurance Agent in Arizona, we’ll be your local agency, point of contact and will be here to assist with any questions, policy updates or changes or claims related questions.
At Greene Insurance Group, we answer our phones and our team works in our Arizona offices with secure internet protocols, not remotely in order to protect our clients personal and business information. At Greene Insurance Group, it’s our promise to always deliver world class service to our clients
Arizona Independent Insurance Agent
As an Arizona Independent Insurance Agency, Greene Insurance customizes insurance coverage to fit our clients and their needs. As an Independent Insurance Agent in Arizona, you can relax knowing the Insurance Professionals at Greene Insurance Group are exploring personal insurance and business insurance coverage and rates from over a dozen top-rated insurance companies. As a Independent Insurance Agent in AZ, it’s our promise you as our client will always be our top priority.
Greene Insurance Group is an Independent Insurance Agent in Arizona serving these communities:
Scottsdale, Phoenix, Paradise Valley, Fountain Hills, Cave Creek, Carefree, Anthem, Chandler, Gilbert, Queen Creek, Catalina Foothills, Marana, Oro Valley, Ahwatukee, Goodyear, Litchfield Park, Verrado, Surprise, Peoria, Prescott, Prescott Valley, Sedona, Flagstaff and surrounding areas. Call or click for free Arizona Insurance Quotes.
