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Arizona Car and Home Insurance
Whether it’s your first time buying insurance or you’re a seasoned veteran seeking more affordable coverage, SelectQuote is here to help. We guide you through the process of choosing insurance policies to protect your home, vehicle(s), or a combination of both. That includes finding ways to save money on coverage, like bundling your home and auto insurance together.Table of Contents
Average Home and Auto Insurance Rates in ArizonaOther Home and Auto Discounts Available in ArizonaCar Insurance in AZ Homeowners Insurance in ArizonaHow to Shop for Insurance in ArizonaSelectQuote Shops Arizona Home and Auto Insurance Quotes for YouArizona Home and Auto Insurance FAQsAverage Home and Auto Insurance Rates in Arizona
The rates listed below are real monthly insurance premiums paid by actual SelectQuote customers and represent average amounts in Arizona cities. Your rates will vary based on where you live, your credit score, the type of insurance you’ve purchased, and other factors.Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.Bundle Your Home and Auto Insurance to Save Money
Bundling your home and auto insurance can offer significant savings, with the potential to reduce your annual premiums by an average of $693. By combining both policies with the same provider, you can not only enjoy lower rates but also the streamlined management of your coverage. Many insurers offer discounts for bundling, making it a smart financial choice for homeowners and drivers alike. In addition to the savings, bundling your policies can simplify your life by consolidating your insurance under one roof, making renewals and claims more convenient.Other Home and Auto Discounts Available in Arizona
In addition to bundling your home and auto insurance, there are several other ways to save on your coverage in Arizona. Insurance providers often offer various discounts based on factors like home improvements, driving habits, and loyalty. Taking advantage of these discounts can help you lower your premiums while still maintaining comprehensive coverage for both your home and vehicle. Let’s take a closer look at some of the specific discounts available in Arizona.Homeowners Insurance Discounts in Arizona
Discounted home insurance rates are available in Arizona for a variety of reasons. Homeowners may qualify for discounts based on:- Age of Your Home: Newer homes often qualify for discounts due to their modern construction and reduced risk of damage.
- Installed Home Security Systems: Homes equipped with security systems, such as alarms or surveillance cameras, may receive discounts for reducing the likelihood of break-ins.
- Fireproofing Improvements: Making fire-resistant upgrades to your home, such as installing fire-rated roofing or fire sprinklers, can result in significant savings.
- Length of Time as a Policyholder: Long-term customers are often rewarded with loyalty discounts, recognizing their consistent business.
- Low Number of Claims Filed: If you’ve had a history of few or no claims, insurers may offer discounts as a sign of your reliability.
- Choosing a Higher Deductible: Opting for a higher deductible can reduce your premiums, as you’ll be taking on more financial responsibility in the event of a claim.
Auto Insurance Discounts
Auto insurance discounts are available in Arizona for a variety of factors that demonstrate responsible driving and vehicle maintenance. Some common auto insurance discounts include:- Safe Driving Discounts: Maintaining a clean driving record with no accidents or violations can lead to substantial savings.
- Low Mileage Discounts: If you drive less than a certain number of miles per year, you may qualify for lower rates, as your risk of accidents is reduced.
- Driver Safety Course Discounts: Completing a recognized defensive driving course can earn you discounts by showing insurers you’re committed to safer driving.
- Good Student Discounts: Young drivers who maintain good grades often qualify for discounts, as it’s seen as a sign of responsibility.
- Vehicle Safety Features: Cars equipped with advanced safety features like anti-lock brakes, airbags, and lane departure warnings may be eligible for discounts due to their ability to reduce the likelihood of accidents.
Car Insurance in AZ
Nearly 5.9 million licensed drivers hit the road in Arizona in 20241 and their automobiles all required some form of auto insurance. If you’re shopping for car insurance coverage, you’ll need to know the legal requirements. Not only will it help you be a safe driver, but it could also save you thousands of dollars in the event of an auto accident.Arizona Auto Insurance Laws and Requirements
Arizona’s insurance requirements are similar to other states in that all drivers must carry liability insurance coverage. Liability coverage must include both bodily injury liability and property damage liability. If you cause a car accident that injures another person, bodily injury liability helps pay for their medical expenses and lost income as a result of their injuries. Property damage liability helps pay for the damage you cause to someone else's car, or to structures and objects your car hits during an accident. The minimum 25/50/15 coverage limits are as follows:- $25,000 per person who sustains bodily injury or death
- $50,000 for two or more persons sustaining bodily injury or death
- $15,000 for damage to other property
- Comprehensive coverage helps pay for damage to your vehicle resulting from theft, glass breakage, hail, water, fire, falling objects, vandalism, explosion, or hitting an animal.
- Collision coverage helps pay for damage to your vehicle as a result of an accident with another vehicle or object. Your insurer will pay to repair this damage even if you are considered at fault.
- Gap insurance is common for financed vehicles and can pay the difference between what your car is worth and what is currently owed.
- Towing and rental car insurance can help get your car to a repair shop and provide you with temporary transportation after an accident in which your car is out of your possession for a few days.
- Medical expense coverage helps pay for health insurance deductibles/co-pays, doctor or hospital visits, medical costs, and ambulance fees if you or your passengers are injured in an accident.
Arizona Teen Driving Laws
Much like other states, Arizona’s teens are required to obtain a graduated instruction permit prior to getting their driver’s license.2 The teenage driver must hold this class G permit for at least six months, and they need supervised driving practice with a licensed driver who is 21 years old or older in the front seat. Teens with a graduated license are subject to additional restrictions, such as curfews and a limit on passengers.Arizona Car Registration Information
Because Arizona requires all vehicles to be covered by liability insurance, you will need to provide proof of insurance at the time of car registration. You’ll also need to provide proof of vehicle ownership, usually by submitting title paperwork at the time of your registration.4 You may also need to put your vehicle through an emissions test.Homeowners Insurance in Arizona
There are several things to keep in mind as you shop for home insurance in the Grand Canyon State, including your policy’s coverage type and the wide range of hazards faced by homes in Arizona.Common Causes of Loss in Arizona
Arizona homeowners enjoy beautiful views and a warm climate but should know that the state is at a higher-than-average risk for several types of natural disasters. Common losses that lead to massive home insurance claims in Arizona include:- Wildfires: Arizona sees several wildfires each year, which can lead to damage to land and homes.
- Flooding: Because of its dry climate, Arizona is at a high risk of flash floods. The desert ground can’t soak up water fast enough during heavy rains.
- Water Damage: Heavy rains that cause flooding can also cause water damage to your home, especially if there are leaks in your roof, siding, or windows. Blocked or obstructed drain lines and pipes can also lead to an increased risk of water damage.
Homeowners Insurance Coverage Options in Arizona
Arizona homeowners who are shopping for insurance should be aware of some key factors before they buy coverage. It’s important to know that there are two types of insurance available, named peril and all risk. Named peril policies limit the covered causes of loss to those that are listed in the policy. All risk (also called comprehensive or open peril policies) cover losses from any cause as long as the loss is not specifically excluded in the policy. Commonly excluded losses include earthquakes, flooding, nuclear disasters, war, and government action. Common types of home insurance coverage included in most policies are:- Dwelling coverage, which protects the structure of your home—including roof and walls.
- Personal property coverage provides protection for belongings kept within your residence or on your property such as furniture, electronics, clothing, and housewares, if they are damaged or destroyed by a covered peril.
- Personal liability coverage, which provides protection in the event an accident occurring inside or outside your home results in injury or property damage, and you are found legally responsible.
- Medical payments coverage pays the medical bills of people who are accidentally hurt on your property, not including members of your own household.
- Additional living expenses coverage can help pay for increased expenses such as food, lodging and more if a covered loss renders your home uninhabitable.
Additional Coverage Options Recommended for AZ Homeowners
It’s important to know if your home insurance policy pays for the full replacement cost or the actual cash value of a loss. Full replacement cost does not factor in depreciation, while actual cash value is based on the dollar amount the property could be sold for at the time of the claim, which is usually less than what it would cost to replace it. Some insurance policies require you to pay for an additional endorsement for full replacement cost. Other additional coverage you should consider includes:- Flood Insurance: Since flooding isn’t covered under most home insurance policies, you may want to consider buying flood-specific insurance. This coverage is available from either your insurance company or as part of the National Flood Insurance Program (NFIP).
- Wildfire Coverage: Most home insurance policies cover fire, but you may need to buy a separate policy if you live in an area at high risk for wildfires.
- Service Line Coverage: Many homeowners policies do not cover sewer lines outside of your home, making repairs costly. This coverage can help pay for damage to water pipes, cable lines, and other service lines that extend into your home.
- Water Backup Coverage: A common addition to most insurance policies, this coverage can help pay for damage related to water backups caused by clogged sewer lines, backed-up drains, failed sump pumps, and malfunctioning appliances.
How to Shop for Insurance in Arizona
Finding the right insurance in Arizona doesn’t have to be complicated. By comparing quotes from multiple providers, you can secure the best coverage at an affordable rate. SelectQuote partners with several of the nation’s most highly trusted auto and home insurance companies. No matter the coverage you’re looking for, shopping around and understanding your options will ensure you get the best value.Shopping for Arizona Homeowners Insurance
To shop for insurance for your Arizona home, first consider the level of coverage you need. What would it cost to rebuild your home today? What about your belongings? The best way to shop for Arizona home insurance is to:- Create a personal inventory
- Determine your necessary level of coverage
- Source and compare rates from several companies at once
- Ask about any applicable discounts
Shopping for Auto Insurance in Arizona
Keep in mind that the cheapest insurance coverage may not be the best policy for your needs. Rarely do the minimum legal coverage limits pay for the total cost of an accident. In addition, your lender may require that you purchase full coverage if your vehicle is financed or leased. Before you buy insurance, do the following:- Determine your total coverage needs (full coverage vs. liability only)
- Compare quotes from several insurance companies at the same time
- Shop around for discounts for safe driving, bundled coverage, and more
SelectQuote Can Shop Arizona Home or Auto Insurance to Save You Time and Money
Whether you're purchasing home and auto insurance for the first time or simply looking to find a better rate, SelectQuote is here to help you navigate the process with ease and efficiency. Finding affordable insurance that fits your specific needs can feel overwhelming, especially with so many options available. That’s where SelectQuote comes in—we simplify the process by quickly comparing rates from multiple trusted insurance companies all at once, ensuring you get the best value for your budget.By reviewing a variety of policy options, SelectQuote allows you to make informed decisions, offering competitive quotes tailored to your unique situation. This includes bundled home and auto insurance policies, which can unlock significant discounts and provide even more savings.Let us help you shop and save time and money today.Our Trusted Arizona Home and Auto Insurance Partners
SelectQuote works with reputable insurance companies to shop for affordable auto insurance rates. We partner with highly rated carriers who sell more than the minimum required coverage to help you find a policy that meets your needs.Arizona Home and Auto Insurance FAQs
- Arizona Department of Transportation. Public Motor Vehicle Services.
- Arizona Department of Transportation. Permit and License Requirements.
- BankRate. Average homeowners insurance cost in January 2025.
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