Car Insurance in Phoenix, AZ

The fifth-largest city in the country, Phoenix offers scenic mountain and desert views. With a growing population, Phoenix also has congested rush hours, confusing loop highways, and aggressive drivers. Which is why finding affordable car insurance in Phoenix, AZ is not only required but can help you save in the long run. 

As a trusted car insurance agency, Access Insurance Agency of Arizona, LLC and Access Insurance Agency of Indiana, LLC (Access Auto) can help you find a budget-friendly car insurance option. We offer: 

• Spanish-bilingual service with licensed agents 
• Quotes from several insurers at once 
• Same-day SR-22 filing services (both owner and non-owner) 
• Assistance for non-standard drivers 
• Same-day insurance ID cards (once policy is set up) 
• Flexible payment plans 
• Discounts for bundling vehicles, having previous coverage, and more! 

To find quality auto insurance that doesn’t break the bank, call Access Auto at 602-922-3595 or get a free car insurance quote online. 

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What affects your car insurance rates in Phoenix, AZ  

Although insurance rates have gone up recently in Phoenix, drivers can still find affordable rates by comparing quotes with an agency like Access Auto. Rates in cities like Phoenix have increased due to higher accident rates, more expensive repairs, and rising theft levels in certain areas. 

To determine your rate, insurance companies typically look at several factors, including: 

• Your location 
• The type of vehicle 
• Your driving history 
• Your age 
• Your average mileage 
• The types of car insurance coverage you choose 

Save more with discounts 

Are you a driver looking for cheap car insurance in Phoenix, AZ? At Access Auto, we work with trusted insurers and can help you find available discounts such as: 

• Good student discount 
• Discounts for bundling multiple vehicles 
• Good driver discount 
• Lower rates for having continuous coverage 
• And more! 

Ask an Access Auto licensed agent how you could build a customized policy that fits your budget and lifestyle. Call us at 602-922-3595. 

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Arizona auto insurance requirements 

If you’re a driver in Phoenix, you must carry the required Arizona liability coverage, according to Arizona state law. These are the state’s liability minimums: 

• $25,000 for bodily injury or death to another person 
• $50,000 for bodily injury or death per accident   
• $15,000 for property damage liability 

Drivers in Phoenix can show an electronic insurance card if asked by a law enforcement officer at a traffic stop. If you need same-day insurance ID cards, Access Auto can help you find affordable coverage fast. 

Keep in mind that liability insurance doesn’t cover damages to your own vehicle. For that, you can purchase collision coverage or comprehensive coverage. 

Full coverage 

If you leased or financed a car, the lending/financing company may require you to get “full coverage” car insurance, which typically includes: 

• Liability insurance 
• Collision coverage 
• Comprehensive coverage

Additional coverage options 

Here are the types of car insurance coverage Phoenix drivers can also purchase: 

• Collision coverage: It helps pay for your own vehicle repairs after a covered accident, regardless of fault. 
• Comprehensive coverage: It helps pay for damages to your vehicle caused by covered events like theft, vandalism, extreme weather, fires, etc. This coverage can come in handy in Phoenix since the likelihood of fires or monsoon storms is higher. 
• Uninsured/underinsured motorist coverage (UM/UIM): If another driver hits you and they have too little or no insurance, these coverages may help with the cost of repairs or injuries.  
• Medical Payments (MedPay): It can help pay for medical bills after a covered accident, regardless of fault. 
• Roadside assistance: An affordable coverage that can help pay for lockout assistance, blown tires, battery and towing services, etc. 

To get started building a personalized car insurance policy, call our Spanish-bilingual agents at 602-922-3595 or get a free online quote today. 

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Need SR-22 insurance in Phoenix, AZ? We file it fast  

Commonly referred to as “SR-22 insurance,” an SR-22 is a certificate showing that you carry the state-mandated liability coverage. You need an insurance company to file it for you, according to the Arizona Department of Transportation. 

Access Auto helps drivers in Arizona with our SR-22 filing services through trusted insurers. Whether you are an owner or non-owner, we offer: 

• Fast e-filing: You can get an electronic certificate the same day, as long as you carry or purchase the required insurance 
• Non-owner SR-22 (For drivers who don’t own a car) 
• Spanish-bilingual assistance 

Remember that you need liability coverage for your SR-22 to be valid. Drivers in Arizona may be required to file for an SR-22 after certain infractions, such as driving with a suspended license or having a DUI. 

Areas we serve 

Access Auto helps drivers in Phoenix and across Arizona find affordable car insurance options. We serve these areas: 

• Phoenix 
• Chandler 
• Tempe 
• Glendale 
• Mesa 
• The Greater Phoenix metropolitan area 

We offer coverage across the state. Find one of our offices or call a Spanish-bilingual agent at 602-922-3595 to get started. 

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Frequently asked questions (FAQs) 

What are the Arizona car insurance requirements?  

In Arizona, you need liability coverage with 25/50/15 limits. These are $25,000 for bodily injury or death to another person, $50,000 for bodily injury or death per accident, and $15,000 for property damage. 

How much is car insurance in Phoenix, AZ? 

The average cost of auto insurance in Phoenix per year is $2,644 for full coverage and $849 for minimum insurance, according to Bankrate. How much you pay may depend on factors such as your driving history, average mileage, ZIP code, vehicle type, and coverage types. 

How fast can I get proof of insurance or submit my SR-22 filing?  

You can get same-day insurance ID cards after your policy is active and initial payments are received. Access Auto also offers same-day SR-22 filing services after you’ve purchased coverage. 

Do you accept foreign or temporary licenses?  

Yes, Access Auto accepts foreign and temporary licenses, valid passports, and Matricula Consular. 

Get covered in minutes 

Find affordable car insurance in Phoenix fast. With Access Auto, you can enjoy these perks: 

• Quotes from several insurers at once 
• Same-day insurance ID cards (once policy is set up) 
• Same-day SR-22 filing services (both owner and non-owner) 
• Assistance for non-standard drivers 
• Spanish-bilingual service with licensed agents 
• Flexible payment plans 

Get car insurance quotes in Phoenix today. Call Access Auto at 602-922-3595 or get a free car insurance quote online. 

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Disclaimer: ​ 
This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.