Arizona Auto Insurance—Compare Coverage, Rates, and Real Savings
Auto insurance rates have been climbing across Arizona—but overpaying doesn’t have to be part of the deal. Whether you're driving the busy streets of Phoenix, commuting through Chandler, or running errands around Mesa or Gilbert, the right policy can protect not only your car but also your financial peace of mind.
At Jesse Goodman—Insurance Professionals of Arizona, we help everyday drivers find the best coverage at the most competitive price. No pressure, no sales scripts—just real, reliable guidance from a local team you can trust.
How to Lower Your Auto Insurance Premiums in Arizona
Auto insurance costs are influenced by national trends, regional risks, and individual driving history. While you can’t control every factor, there are several proven ways to reduce your premium:
6 Smart Ways to Save
- Bundle your policies:
Combine auto and home or renters insurance to save up to 25%. - Maintain a clean driving record:
Avoid tickets and accidents to qualify for safe driver discounts. - Increase your deductible:
Higher deductibles often mean lower monthly payments—just ensure you have an emergency fund. - Ask about discounts:
Look for savings like: - Multi-car policies.
- Good student discount.
- Defensive driving course credit.
- Vehicle safety features (anti-theft, airbags, etc.).
- Compare quotes annually:
Rates shift as carriers update risk models. Re-shop every 12 months to stay competitive. - Use pay-in-full or auto-pay options:
Some insurers offer discounts for paying upfront or setting up automatic billing.
Why Choose Insurance Professionals of Arizona
At Insurance Professionals of Arizona, we’re not tied to just one insurance company. As an independent broker, we shop the top carriers for you—so you don’t have to waste time with multiple phone calls or confusing online forms.
Advantage: Why It Matters Independent Broker We compare 40+ top-rated carriers to find your best rate and coverage. Local Arizona Experts Based in Mesa, we know state laws, seasonal risks, and common accident zones. Award-Winning Service 1,000+ 5-star Google reviews, Three Best Rated®, and Tribune Best of 2023. Fast, Personal Support Real people. Real help. No call centers.
“IPA saved me $612 a year on my car insurance—and got me better coverage.”
— Client in Gilbert, AZ.
Auto Insurance Coverage Options
When choosing your auto insurance in Arizona, it's important to understand the coverage options available. While liability is required by law, other types of protection can save you thousands in the long run.
Required Coverage (By Law)
- Bodily injury liability.
- Property damage liability.
Highly Recommended Add-Ons
- Comprehensive coverage: Covers non-collision damage (theft, weather, fire, vandalism).
- Collision coverage: Pays for repairs or replacement after a car accident, regardless of fault.
- Uninsured/underinsured motorist: Protects you if the other driver has little or no insurance.
- Medical payments: Helps cover medical bills for you and your passengers.
Q1: How much does auto insurance cost in Arizona?
The average is around $1,520 per year, but your rate depends on your driving history, ZIP code, age, credit score, and car type.
Q2: What affects my auto insurance premium?
Key factors include:
- Age and gender.
- Driving record.
- Type of vehicle.
- Location and local crime rates.
- Credit score.
- Coverage level and deductible.
Q3: Is car insurance required in Arizona?
Yes. Arizona law requires all drivers to carry minimum liability coverage to legally register and operate a vehicle.
Q4: Do I need full coverage?
Full coverage isn’t required by law, but it’s highly recommended if your car is new, financed, or leased.
Q5: What if I’m hit by an uninsured driver?
Your uninsured/underinsured motorist coverage can help cover damage and injuries if the other driver doesn’t have enough insurance—or any at all.
Ready to Save on Your Auto Insurance?
Whether you're a first-time driver, a busy commuter, or a parent insuring multiple vehicles, Jesse Goodman—Insurance Professionals of Arizona is here to simplify the process and maximize your savings.
Call (480) 780-0405.