Shopping for Car Insurance in Phoenix, AZ?
We offer Car Insurance throughout Metro Phoenix and Arizona from top-rated insurance companies
Ways to help lower your Arizona Auto Insurance – Car 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.
What factors determine my Arizona Car Insurance Rates?
When shopping for Arizona Auto Insurance, remember car insurance companies can use the following factors to determine rates when shopping for car insurance:
- Driving record
- Age
- Gender
- Marital status
- Vehicle Garaging Address
- Your car’s make and model
- Your average annual mileage
- Insurance Score
- The types of car insurance endorsements or options 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 Arizona 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 licensed insurance agent at Greene Insurance Group for more details.
Student Away at School Discount – See below for students who qualifies for discount(s) on their Arizona 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 Auto Insurance Requirements:
If you own and register a vehicle(s) in the State of Arizona, you must obtain Arizona Automobile Insurance which complies with Arizona State Law. Automobile Insurance protects you, others and your finances in the event of a car accident.*
What is the minimum required Auto Insurance 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 company database with insurance reporting by the car VIN number. Make sure your car insurance company has the correct VIN Number for proper reporting to the State of Arizona.
Vehicle owners in Arizona who don’t insure their vehicles with the minimum required car insurance limits, their AZ vehicle registration & AZ Driver’s License 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 an active Car Insurance policy meeting the State of Arizona’s minimum required limits of insurance, you will face the following penalties:
- Suspension of your Arizona Vehicle registration
- Suspension of your Arizona Drivers License
- Fines
Arizona Auto Emissions Test
Remember, if your auto is over 5 years old, the State of Arizona may require emissions testing before it can be registered.
What is the Average Cost of Auto Insurance in Arizona?
The average cost of Car Insurance in Arizona is $2,637 per year for full coverage and $813 per year for state-mainimum coverage. National averages are similar, coming in at $2,671. When looking at how much car insurance is in Arizona, however, keep in mind that every driver’s rate is different, based on personal characteristics that range from age and gender to driving history and credit rating. Start your search here for the best car insurance in the Grand Canyon State.
What factors affect your Arizona Car Insurance rates?
- Drivers Age: Younger drivers typically pay higher rates than older drivers.
- Your driving history: Drivers with clean driving records typically pay lower rates than drivers with accidents or traffic violations.
- The type of car you drive: More expensive cars typically have higher insurance rates.
- Your location: Drivers who live in more urban areas typically pay higher rates than drivers who live in rural areas.
Bundle your Phoenix, AZ Car Insurance & Home Insurance to Save Money
When you bundle your Phoenix, AZ Car Insurance and Phoenix Home Insurance, you can save up to 40% on your insurance.
Want to save even more money on your Arizona Auto and Home insurance? Ask the Insurance Agent at Greene Insurance Group about increasing your auto insurance deductibles.
Client Reviews & Testimonials
Phoenix, AZ Insurance Agent
At Greene Insurance Group of Phoenix, we’ve been dedicated to safeguarding families and businesses with comprehensive insurance solutions for over 60 years. As an Phoenix, AZ Independent Insurance Agent, we offer insurance from top-rated insurance companies, saving you the time and hassle of shopping for coverage yourself. Our Licensed Insurance Professionals will review your current insurance policies to ensure you get the best protection at the most competitive prices. Let Greene Insurance Group provide you with the peace of mind you deserve, knowing that your personal and business needs are covered by trusted professionals. Contact us today for a review of your current policies and see how we can help protect what matters most to you.
We provide best in class service to our clients
At Greene Insurance Group, we promise personalized, best-in-class customer service. Our Licensed Agents work in our local offices, not remotely, ensuring your privacy and personal information are always protected. It’s a commitment we stand by: We’ll answer your calls and return your emails—because that’s the way it should be. You can always depend on the professionals at Greene Insurance Group.
