Phoenix, AZ Car Insurance

Auto Insurance In Phoenix, AZ—The Basics

Phoenix is the most populous state capital in the United States, and Arizona drivers know that there are a lot of cars on the roads. In fact, some of the busiest intersections in Phoenix are among the most dangerous in the country. It's important to have the right car insurance in Phoenix to protect yourself and your vehicle. GEICO works hard to offer great car insurance rates in the Greater Phoenix area, so get a Phoenix car insurance quote now.

Car Insurance Coverage Options in Phoenix, AZ

Driving in Phoenix means enjoying year-round sunshine, but it also means making sure you’re protected on the road. GEICO offers a range of car insurance coverage options to help Arizona drivers stay safe, secure, and in control, no matter what the desert roads bring.

Car Insurance Requirements in Phoenix

Arizona law requires drivers to carry a minimum amount of liability coverage, including:

Coverage Type Arizona Minimum Limit
Bodily Injury Liability $25,000 per person / $50,000 per accident
Property Damage Liability $15,000 per accident

These minimums are designed to protect other drivers on the road, but they may not fully protect you or your vehicle.

Additional Auto Coverage Options from GEICO

GEICO offers optional coverages that go beyond the state minimums to give you added protection and peace of mind, such as:

What Is Not Covered by Car Insurance in Phoenix, AZ?

While GEICO’s Phoenix car insurance offers great coverage, there are certain situations and items that standard policies usually don’t cover, including:

  • Intentional Damage: If damage to your vehicle is caused on purpose, it won’t be covered by your insurance.
  • Normal Wear and Tear: Routine maintenance issues like worn-out brakes, tires, or engine parts aren’t covered, as they’re considered part of vehicle upkeep.
  • Racing: Damages that happen while participating in races or similar events are not covered under a standard policy.
  • Commercial Use: Using your vehicle for business purposes (like ridesharing or deliveries) typically requires commercial auto insurance.
  • Personal Belongings: Items inside your car, like electronics or bags, are not covered by auto insurance. These may fall under your renters or homeowners insurance instead.

Save Money on Phoenix Car Insurance with GEICO

GEICO offers Phoenix drivers car insurance discounts to help them get the coverage they need without breaking the bank, such as:

  • Multi-Policy: Bundle your car, home, motorcycle or other policies for lower car insurance premiums.
  • DriveEasy*: Participate in the DriveEasy program through the GEICO mobile app and get rewarded for safe driving habits.
  • Good Student: Full-time students in Phoenix with a B average or better may be eligible for reduced car insurance rates.
  • Good Driver: Phoenix drivers who maintain a clean driving record may qualify for lower premiums.
  • Paid in Full Discount: You may be eligible to receive a discount when pay your premium in full

Driving In Phoenix—What You Should Know

It's no surprise that driving in Phoenix can be very hard on your vehicle. During the summer, traffic gridlock can lead to many overheated cars, and dust storms can cause additional wear to your vehicle's parts. Because of this, additional safety and maintenance steps should be taken.

Your air filter can take a beating due to the dust, so be sure that is examined at least every 3,000 miles and replaced when needed. Keep a close eye on the health of your battery, as the heat can drastically affect its life. In the event of a dust storm, be sure to turn your lights on and, if possible, avoid driving into a dust storm.

Read more about Arizona car insurance.

Whether you need to know the state required coverage levels or the teen driving laws in Arizona, our Arizona car insurance page will help you make the right decision about your auto insurance.

Please note:

*DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.

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