Car Insurance Quotes in Phoenix

Car Insurance in Phoenix, AZ

couple feels safe because they have car insurance phoenix az

From the Desert Botanical Garden to South Mountain Park and Preserve, there is so much to experience in Arizona’s state capital. But Phoenix’s natural beauty also comes with potential risk, especially on the roads. Drivers in Phoenix face challenges like extreme heat, heavy truck traffic and busy intersections. In fact, in 2022, the Arizona Department of Transportation reported over 38,000 car accidents in Phoenix, the highest out of any Arizona city.² With conditions like these, having the right auto insurance in Phoenix, AZ is essential.

If you’re looking for great car insurance in Arizona, The Hartford can help. The AARP^® Auto Insurance Program from The Hartford¹ has been protecting Arizona drivers and their families since 1984. With flexible coverage options and high ratings for customer and claims service, The Hartford can get you the protection you need to have peace of mind on the road. So, if you’re interested in getting car insurance quotes in Phoenix, you’ve come to the right place.

Fast and Free Car Insurance Quotes in Phoenix From The Hartford

The Hartford is a trusted insurance company that makes it quick and easy to get car insurance quotes in Phoenix. In fact, drivers in Phoenix can get a car insurance quote online in as little as eight minutes. You can also call 888-546-9099 to speak to a Hartford representative.

Requirements and Limits for Car Insurance in Phoenix

drivers can easily get car insurance quotes phoenix

State law requires all Phoenix drivers to have car insurance in Arizona at the following minimum coverage limits:³

Bodily injury liability: $25,000 per person, $50,000 per accident
Property damage liability: $15,000 per accident

Uninsured/underinsured motorist coverage isn’t legally required in Arizona, but you may consider adding it to your policy for extra protection.

What Does Phoenix Auto Insurance Cost?

The average cost of car insurance in Phoenix is $1,957 annually or $163 monthly.⁴ However, it’s important to note that insurance costs are unique to each driver. The amount you pay for car insurance may be higher or lower than the average based on your:

Driving history
Coverage limits
Type of vehicle
Average miles driven per year

Car Insurance Benefits

If you’re an AARP member, you can receive exclusive benefits through the AARP Auto Insurance Program from The Hartford, like:

Accident Forgiveness:^‡ We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have clean driving records for five straight years with The Hartford, you’ll qualify for accident forgiveness.
New Car Replacement:^§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
Disappearing Deductible:^‡ Your collision deductible could be reduced over time, as long as you maintain a clean driving record.
24/7 Claim Service: Our representatives can help with your claim. Call 800-243-5860 or report car insurance claims online.

Discounts To Help You Save On Your Car Insurance in Phoenix

Wondering how to lower your car insurance? The AARP Auto Insurance Program from The Hartford offers several car insurance discounts to help you save money on your premium. Types of discounts you may be eligible for include:

Bundle Insurance Savings

When you bundle insurance coverages, you can save on both policies. Types of auto and home insurance bundles available through The Hartford are:

Bundling your car insurance with your Arizona homeowners insurance can get you up to 5% off your auto insurance and up to 20% off your home, renters or condo insurance.**

Paid-in-Full Discount

You can receive a discount if you pay your insurance premium in full instead of making monthly payments.

Drive Safe and Save

You can be rewarded for safe driving through The Hartford’s TrueLane Program.^‡‡ In fact, you’ll save up to 12% today just for participating. Then you could earn a renewal discount of up to 25%, depending on your driving habits.

Safe Driver Training Discounts

If you have drivers on your policy who are under 21, you can save on your premium if they complete an approved training course.

Defensive Driver Course

Completing an approved defensive driver course can get you a discount on your car insurance. Just send a copy of your certificate to The Hartford and we’ll apply a credit to your premium for the next three years.

Phoenix Car Insurance Coverages

Types of car insurance coverage options that are available through the AARP Auto Insurance Program from The Hartford include:

Bodily injury liability, which helps cover the other driver’s medical expenses if you’re involved in an at-fault accident.
Property damage liability to help pay to repair another person’s car or property if you cause an accident.
Comprehensive coverage, which helps pay the costs of damage to your vehicle from non-collision events.
Collision insurance coverage to help cover damages to your vehicle after you hit another car or object.
Uninsured/underinsured motorist coverage to help cover medical costs if you’re in an accident with another driver who doesn’t have insurance or enough coverage to pay for expenses.

Full coverage car insurance usually includes a combination of these car insurance coverages and others for more protection.