Full Coverage Car Insurance in Phoenix


Providing you a seamless experience to finding full coverage car insurance in Phoenix.





Why You Should Get Full Coverage Car Insurance in Phoenix



Have you searched for the coverage car insurance in Phoenix but ended up with only the coverage required due to costs? Though it might seem like you got a excellent deal, you may regret not getting complete coverage car insurance. This could be problematic if you should get into an accident and discover that your insurance provider won't cover the repair costs on your vehicle. Unfortunately, numerous drivers in Phoenix have found out the hard way. Paying for full coverage car insurance in Phoenix offers you greater protection than the mandated minimums; especially for accidents where you're not at fault. This would mean higher prices. The upside of prices of full coverage car insurance is comfort knowing that your vehicle you, and anybody involved in an accident are covered. Consider getting full coverage car insurance in Phoenix if you have a car and drive own a house, and have assets to protect.

Percentage of Traffic Fatalities Caused by Alcohol in Phoenix

26 %

Percentage of Traffic Fatalities Caused by Speeding in Phoenix

19 %

Percentage of Traffic Fatalities Involving Cyclists in Phoenix

30 %

Percentage of Traffic Fatalities Involving Pedestrians in Phoenix

8 %


Average Price of Full Coverage Car Insurance in Phoenix by Credit Score



  • 3,054.58

    Very Poor (300-579)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 1,919.81

    Fair (580-669)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 1,608.50

    Good (670-739)

    Average Cost of Car Insurance for those with a good credit history.

  • 1,506.02

    Very Good (740-799)

    Average Cost of Car Insurance for those with a very good credit history.



What’s Included if You Get Full Coverage Car Insurance in Phoenix

Complete full coverage auto insurance coverage isn’t a singular type of coverage but rather an combination. It’s a phrase which may have origins within finance as a way to summarize a combination of coverages required to finance or lease a car. It generally is comprised of collision and comprehensive coverage, which covers your car if damage and liability Insurance, which covers accidents and damages you cause to others. Complete auto insurance coverage tends to be more expensive than liability coverage on its own, so it may be best to hunt for cheaper prices. To sum it all up: “full coverage = liability + comprehensive + crash”. Collision insurance pays for repair prices to your vehicle if you are accountable for the collision.
cheap full coverage car insurance Phoenix AZ content image

The upside of costs of becoming full coverage car insurance in Phoenix is comfort knowing that your car, you, and anyone involved in an accident are covered.


When Do You Not Need Full Coverage Car Insurance


If you have an older vehicle, it may be best to ditch getting collision coverage in Phoenix. Let us explain. Let's say your vehicle is worth ,500, and you have a ,000 deductible. If you get in an accident, your insurer in Phoenix will contribute at most ,500 to fix or replace your vehicle. Bear in mind, your insurance policy won't kick in unless you get into accident --one over ,000 in damages. Meaning, you might be spending over /year paying for collision insurance that might not be advantageous. A more financially sound idea would be to put money and create an accident fund should the worst were to happen --then you will be ready. By law, you're required to carry liability insurance. Having liability insurance ensures that if you're at-fault, other people's bodily or property damages are covered by your insurance. So in with an older car, you might want to opt for just getting liability insurance policy .

Percentage of Traffic Fatalities Caused by Alcohol in Phoenix

21 %

Percentage of Traffic Fatalities Caused by Speeding in Phoenix

17 %

Percentage of Traffic Fatalities Involving Pedestrians in Phoenix

35 %



How Much More You'll Pay for Full Coverage in Phoenix By Age


Age DemographicPercentage More You'll Pay
Full Coverage in Phoenix for Drivers Between 16-197,897.78
Full Coverage in Phoenix for Drivers Between 20-292,900.83
Full Coverage in Phoenix for Drivers Between 30-392,146.10
Full Coverage in Phoenix for Drivers Between 40-492,074.15
Full Coverage in Phoenix for Drivers Between 50-591,924.84
Full Coverage in Phoenix for Drivers Between 60-692,014.43
Full Coverage in Phoenix for Drivers Between 70-792,197.68



How to Get the Best Full Coverage Car Insurance in Phoenix

It's a fact that having full coverage car insurance in Phoenix will be more expensive than other types of coverages, but there are ways to make it cheap and save you money on your bill. First, regulate your deductible on your auto insurance coverage. The lower your deductible, the more you'll find yourself covering every month for your full coverage car insurance. As mentioned, if you create an accident fund and set aside some money you have lower monthly payments and can end up raising your deductible. Another thing you can do is ensure you maintain any discounts you may be entitled to. Comparison shopping can save you thousands each year on your auto insurance bill. There are a large number of insurance companies in Phoenix vying for your business and many will vary in prices by hundreds. If you are not comparing quotes you won't ever know if you are getting the quote on your full coverage car insurance plan.


Getting coverage car insurance in Phoenix will be more expensive than other types of coverages, but there are ways to make it low-cost and help you save money on your bill.