Get car insurance in Phoenix, AZ

A sparkling jewel of the Southwest, Phoenix, AZ may be best known for challenging Camelback Mountain hikes and world-class golf courses. Nevertheless, while the Valley of the Sun may be blessed with plenty of top-notch attractions, it is also home to a staggering number of car drivers! The Arizona Department of Transportation reported in 2024 that there are nearly 6 million licensed drivers in the Grand Canyon State. The annual volume of traffic in the Phoenix metro area is reportedly the equivalent of approximately 10 billion vehicle miles traveled. With so many cars clogging I-10 or making their way onto I-17, it is essential to secure proper auto insurance coverage. Car insurance in Phoenix, AZ doesn’t need to be confusing. Access Insurance Agency of Arizona, LLC (Access) understands the requirements of Arizona auto insurance and can help you acquire quality coverage for your unique needs. 

Why choose Access Insurance Agency of Arizona, LLC in Phoenix 

In Arizona’s Urban Heart, we know there are many options for insurance agencies. Access aims to make the process of securing car insurance as simple and stress-free as possible. We have over forty years of experience as an Arizona auto insurance agency, have a highly trained Spanish bilingual customer support team and educated agents who are familiar with Arizona car insurance requirements, and feature five physical Phoenix store locations that can accept both cash and credit card payments. 

• In addition, Access offers coverage through insurance companies with: 
• Competitive rates that do not sacrifice coverage 
• The ability to accept multiple types of licenses (matricula consular, temporary licenses, suspended licenses, etc.) 
• The ability to accept a diverse array of driving histories 
• The ability to accept SR-22 forms 
• Policies for commercial auto insurance in Arizona 
• Add-ons like roadside assistance and rental reimbursement 
• Potential discounts for bundling policies or good driving histories! 

Car insurance requirements in Phoenix 

Curious about the minimum requirements for insurance in Phoenix? As per Arizona law, it is required that every motor vehicle operating on the roads within the state is covered by a minimum of liability insurance through a company authorized to do business in Arizona. The minimum legal requirements for auto insurance in Arizona are as follows: 

•  $25,000 bodily injury liability for one person sustaining bodily injury or death in an accident 
• $50,000 bodily injury liability for two or more persons sustaining bodily injury or death in an accident 
• $15,000 property damage liability for damage to another’s property 

Often these liabilities will be represented as a split limit written as 25/50/15. It is important to remember that liability insurance does not cover you and your vehicle and is intended only for third-party losses/damages.  

Please note that these amounts only signify the minimum legal requirements in Arizona. Depending on your auto usage and needs, it can be beneficial to explore more robust coverage options. For example, if you are a driver with an older vehicle and a lengthy commute it could be helpful to add roadside assistance to your policy. 

Access is pleased to offer a variety of coverages through insurers we represent including: 

• Comprehensive or collision coverage 
• Roadside assistance 
• Rental reimbursement 
• Uninsured motorist coverage 
• Medical payments 

Together with our Phoenix team, we can work with you to help you choose an insurance solution that meets your needs.  

Cost of car insurance in Phoenix 

Afraid of the sticker shock that may occur when you search for ‘car insurance quotes in Phoenix, AZ? According to a study conducted by Bankrate in 2024, on average, Phoenix drivers pay 18% more for car insurance than their fellow Arizona residents. Therefore, a Phoenix driver can expect to pay $3,194 per year for full coverage insurance and $1,024 a year for minimum coverage. Compared to the state averages of $2,585 for full coverage and $764 for minimum coverage respectively, Phoenix drivers tend to pay higher amounts for coverage. 

There are several reasons for these elevated Phoenix rates including the city’s notorious traffic, high urban density, and theft.  In addition, insurance rates can also vary widely as companies will weigh factors such as the insured’s: 

• Driving history 
• Type of vehicle owned 
• Average miles driven per year 
• And available coverage limits to create an estimated coverage rate. 

Save on Phoenix auto insurance with Access Insurance Agency of Arizona, LLC 

Thankfully there are ways to stay out of the red when acquiring car insurance in Phoenix, AZ. Access can offer policies through insurers that provide multiple discount options and work with you to find a policy that is both affordable and effective. 

Save on Phoenix auto coverage when you inquire about discounts for: 

• Paying your policy in full 
• Insuring multiple vehicles 
• Good students who maintain a certain GPA 
• Establishing proof of prior coverage  

Don’t get burned with less-than-stellar auto insurance! Call Access Insurance Agency of Arizona, LLC at 855-292-4010 or stop by one of our many Phoenix stores for a free quote today!