Cheapest Car Insurance Rates for January 2022
Get a Quick Quote
Cheapest Auto Insurance in Phoenix, AZ
Compare Rates for Car Insurance Near Me
SR-22 Car Insurance Rates after DUI
Car Insurance Rates by Segment
Phoenix is the largest city in Arizona – it also happens to be the capital of the state. The metropolitan population has soared to well over four million residents. Phoenix has a thriving economy with a range of different industries – insurance, real estate, and healthcare all have major presences in the city. Phoenix has a very notable urban sprawl, which means that many people in the city depend on vehicles for transport.
If you’re one of the lucky residents that calls Phoenix home, you know how important your car is. But insuring vehicles in Phoenix can be expensive if you don’t understand the industry. Many people purchase the first insurance quote they see – this can lead to wasted expenditure and subpar policies. Our company helps match people with the best insurance policies on the market. If you’re in the market for a new insurance policy, this is the perfect website for you to find the cheapest place for car insurance. Below we will also explore how to stay safe while driving on roads in Phoenix, Arizona. Plugin your zip code into the car insurance calculator above and start saving!
Phoenix: Driving Conditions in the City
Phoenix is a constantly growing city, which means construction causes added congestion and traffic. If you’re looking to drive in a city without any traffic, Phoenix isn’t a very good option. If you want to avoid traffic problems, makes sure to check congestion reports before heading out on the road – especially if you’re traveling during peak times.
While Phoenix is in the middle of desert scenery, rain can still cause huge problems in the area. In fact, Phoenix is known to have an issue with extreme flooding. If you live in the area, make sure to check warnings for flash flooding – you don’t want to get caught in a situation that you can’t handle. You should also secure your vehicle on an elevated surface if you believe it will flood. If you live in a flood zone, it’s especially important to ensure that your insurance policy covers flood damage.
Driving Safely in Phoenix, Arizona
Driving safely isn’t just about avoiding road hazards. If you want to avoid issues on the roads, you also have to understand local road rules and regulations. In this section of our article, we’re going to take a look at some of the most common road laws in Phoenix. Every city and state has different road laws – much of these laws are state, not federal. For this reason, you need a decent understanding of these laws if you want to avoid fines or other complications.
Below we will explore each of the most common road laws in Phoenix!
Phone/Handheld Laws in Phoenix
Unfortunately, the state of Arizona has done little to combat distracted driving. Distracted driving is causing more and more issues on American roads – it’s hard to combat this massive issue without creating strict laws.
In Arizona, you are not allowed to use your phone in the first six months of having a license. In the city of Phoenix, you are not allowed to use your phone for texting and driving at all. While some use of phones is permitted, we still advise that you avoid these issues as much as possible. Distracted driving can prove fatal – it’s not worth the convenience of using your phone while you drive.
Seatbelt and Car Seat Laws in Phoenix
If you’re in the front seat of a vehicle in Phoenix, you have to wear a seat belt at all times. This includes both the driver’s and passenger’s seats in the front of the vehicle. If you’re in the back seat of a vehicle, you have to wear a seat belt if you are under the age of 16 – if you’re under the age of 16, you have to wear a belt regardless of where you are seated in the vehicle.
Below is a detailed explanation of Arizona child seat laws:
- Under 1 Years Old – Rear-facing infant seat in rear of the vehicle
- Children Over 1 (20 Lbs.) and Under 40 Lbs. – Convertible Seat
- Children Over 40 Lbs. and Under 8 Years Old (Or 4’ 9”) – Booster seat
Not securing your child is a major issue – it can result in large fines or further punishments.
Helmet Laws in Phoenix
If you’re under the age of 18, you have to wear a helmet while operating a motorcycle in the state of Arizona. Both drivers and passengers need to abide by this rule. Helmets play a vital role in protecting motorcycle passengers – they significantly reduce your chance of head injury or death. While some states don’t require that all rider’s wear motorcycle helmets, we advise you to wear one at all times – it’s worth it!
Alcohol and Drug Laws (Driving)
If you’re under the age of 21 in Arizona, the state has a zero-tolerance policy which dictates that you are not allowed to have any alcohol in your system at all. If you’re over the age of 21, the BAC limit is .08. If you refuse to take a field sobriety test when an officer asks, you will automatically have your license suspended. Arizona takes drinking and driving very seriously.
For first time DUI offenders, you may receive up to 10-days in jail, $1,250 in fines, community service orders, alcohol education, and transmission interlock devices on your vehicles. As you can see, there are plenty of reasons to avoid driving while intoxicated. Don't forget that car insurance for DUI offenders can be quite costly. This usually comes in the form of sr22 non owner insurance.
Unfortunately, the state of Arizona is a hot spot for auto theft. The state ranks as eighth in the nation in terms of auto theft rates. It’s important to secure your vehicle, especially if you live in a high crime area. If you live in Arizona, make sure that your auto insurance policy covers theft.
It’s important to have a great Arizona car insurance policy if you want to be certain you’re covered for large and unexpected costs. Investing in the best and cheapest car insurance can save you serious money in the long run. If you think you’re currently overpaying for an inferior plan, compare car insurance rates of the insurers we recommend on our page.
Car Insurance Companies in Phoenix
Access Auto Insurance
6544 W Thomas Rd #29, Phoenix, AZ 85033, USA
cheap auto insurance az
2202 N 24th St, Phoenix, AZ 85008, USA
UNO Insurance Agency
15846 N Cave Creek Rd Suite #3, Phoenix, AZ 85032, USA
Access Auto Insurance
4815 N 27th Ave, Phoenix, AZ 85017, USA
7614 W Indian School Rd d4, Phoenix, AZ 85033, USA
317 N 19th Ave, Phoenix, AZ 85009, USA
Auto Body Shops in Phoenix
Select Auto Body
545 W Highland Ave, Phoenix, Az 85013, Phoenix, AZ 85013, United States
Manny's Paint & Body Shop
1633 W Latham St, Phoenix, AZ 85007, USA
No website found
Lovetts Body Shop
1411 E Camelback Rd, Phoenix, AZ 85014, USA
Tom's Auto Body, Inc.
1327 E Buckeye Rd, Phoenix, AZ 85034, USA
Capitol Collision Repair
5154 N 27th Ave, Phoenix, AZ 85017, USA
I-17 Collision Repair
11025 N 23rd Ave, Phoenix, AZ 85029, USA
How Helpful Was This Article on Phoenix?
4.5 out of 5 stars (based on 14 reviews)
Please Rate this Article
You must be logged in to submit a review.