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phoenix car insurance

Only in places like Phoenix can you enjoy food made with various parts of a prickly pear cactus, play a round of golf pretty much any day of the year, and take an art walk down Roosevelt Row on a warm summer evening. A thriving downtown area, a wealth of outdoor activities, and plenty of Southwestern charm make Phoenix an exceptional city to put roots down.

With 24/7 customer service and innovative online tools that make the insurance process simple and transparent, we're confident we can help all Phoenicians get the most out of their beautiful city. You can get Phoenix car insurance quotes for free online in mere minutes for dependable coverage from Esurance.

phoenix auto insurance discounts

See if you qualify for one of our myriad money-savers — specially tailored toward Grand Canyon State residents — when you get your free online quote. Here's a sampling:

  • Pac-12 discount
  • Multi-Policy discount
  • Homeowners discount
  • Paid-in-Full discount

Some exclusions may apply. If you already have a Phoenix car insurance policy with us and have any questions about discounts or coverages (or almost anything, really) give us a call at 1-800-ESURANCE (1-800-378-7262) or head over to our Arizona auto insurance page.

car insurance coverages in phoenix

Required coverages

Auto insurance liability coverage financially protects you if you're found at fault in an incident that results in injury to another person or damage to their property. Arizona drivers need to carry at least the following limits:

  • $15,000 of bodily injury coverage per person
  • $30,000 of bodily injury coverage per incident
  • $10,000 of property damage coverage per incident

These limits are often expressed as 15/30/10. When you get a quote, you can always opt for higher coverage limits depending on the level of financial protection you want.

Optional coverages

Did a few passing tumbleweeds scrape up your undercarriage? Stuck in a bind because your car is overheating in the middle of nowhere?

These additional coverages give Arizona motorists the opportunity to purchase extra financial coverage in the event of a claim — and they can be real lifesavers. Here are but a few:

  • Uninsured motorist bodily injury coverage
  • Comprehensive and collision coverages
  • Rental reimbursement coverage
  • Towing and labor coverage

Take a peek at our Arizona page for even more additional coverage options and general information about car insurance in the Grand Canyon State.

phoenix driving stats and facts

Carpooling counts

About 13 percent of auto commuters in the Phoenix Metropolitan Area carpool to work on a regular basis, according to 3-year estimates from the 2010-2012 American Communities Survey. That's significantly higher than the 2011 national average of 9.7 percent.

Traffic troubles

The Phoenix area had roughly 2 million commuters on the road during peak rush hour time (which, by the way, lasted about 5 total hours every day), according to data from the Texas Transportation Institute's 2011 report. That adds up to an annual 35 hours of delay and more than $800 worth of congestion cost per commuter.

Car theft in the city

According to the National Insurance Crime Bureau, there were more than 12,000 vehicle thefts in the Phoenix Metropolitan Area in 2012 alone. Arizona's second-largest city, Tucson, saw about 3,300 thefts in the same year — almost 4 times less than Phoenix.

e-star® repair shops

Esurance policyholders (or any driver involved in a collision with one) can take advantage of our trustworthy network of E-Star shops with guaranteed repairs. You can even track your vehicle's repair progress online by utilizing our innovative RepairView® tool.

Here are a couple E-Star shops in Phoenix proper:

Michael's Collision CARSTAR
11044 N. Cave Creek Rd.
Phone: 602-371-1700
Hours: Monday through Friday, 8:00 a.m.–5:00 p.m. MT

Chapman Auto Body
999 W. Bell Rd.
Phone: 602-866-6180
Hours: Monday through Friday, 7:30 a.m.–5:30 p.m. MT

If you don't see a shop close to your place, fret not! We work with a handful of top-notch auto body shops in the greater Phoenix area. Find a nearby E-Star repair shop.

Related links

Arizona Department of Transportation
Check out ADOT's Motor Vehicle Services page to get info on everything from how to get your AZ drivers license to car crash statistics.

Arizona homeowners insurance
Esurance knows a thing or 2 about Arizona homeowners insurance. Grab a quote and secure coverage for your family, finances, and future.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262