Arizona Auto Insurance
Are you a resident of the Copper State? It's your lucky day! Arizona residents have the chance to get affordable car insurance with Branch. Whether this is your first time purchasing car insurance or you're already a pro, here's a few things that make Arizona auto insurance distinctive from other states.
Arizona Minimum Auto Insurance
Each state has their own laws regarding the minimum auto insurance coverage needed for each vehicle, and since Arizona drivers are on the road an average of 14,493 miles per year, it's important you have the right coverage. While there are many options to add more coverage for your vehicles, the minimum requirement for Arizona residents are:
- Bodily injury liability coverage: $15,000 per person
- Bodily injury liability coverage: $30,000 per accident
- Property damage liability coverage: $10,000 per accident
Let’s break these coverages down a little bit further.
If you get into an accident, bodily injury liability coverage pays for the injuries you cause to another driver and/or their passengers. The state minimum coverage requires that you have coverage for at least $15,000 per person for any injury they have as a result of the accident up to $30,000.
Here’s a couple scenarios to better explain this:
Let’s say there’s 1 person injured in an accident that you're found to be at fault. That person’s total cost of injury is $20,000. While your policy allows for up to $30,000 per accident, it only allows up to $15,000 per person. You are responsible for paying the other $5,000 out-of-pocket.
This time there are 2 people injured in an accident you cause. Person A has injuries totaling $20,000 and Person B has injuries costing $10,000. Since your per person limit is $15,000, you’ll be responsible for paying the remaining $5,000 of Person A’s injuries. And since your policy covers $30,000 per accident, your insurance will cover all of Person B’s injuries.
Property damage liability coverage covers the damage and cost of repairs you cause to another car or property if you get into an accident. This means if you get into an accident and get pushed off the side of the road, ultimately running over someone’s mailbox and a portion of their fence, you’ll have at least $15,000 of coverage to fix all of that damage.
Want to learn more about the available coverage for your vehicles? Click here to learn more about choosing the right policy for you!
Auto Insurance Average Costs in Arizona
If you are considering moving to Arizona you're in luck. The great state of Arizona typically has inexpensive auto insurance averaging $1,247 per year, compared to the national average premium of $1,548 per year. However, we all know that insurance prices don't only rely on your state. Other factors such as driving record, vehicle, and age also make an impact on how much you'll be spending on your premium. If you think these factors will increase your insurance bill, don't fear! Once you're a member of the Branch Community, you’ll have access to discount programs that can decrease your overall cost of insurance.
Arizona Discount Programs
Whether you live in Phoenix, Tucson, Mesa, or anywhere in between, Branch has you covered with discount programs that will put some cash back in your pocket!
Invite Your Friends to Check Out Branch and Earn
We want to reward you when you invite your community to join Branch. When you become a Branch client, you will receive a unique referral link in the Branch mobile app. We encourage you to share this with your friends and family, on your social media, etc. Anyone that visits Branch for the first time from your link and checks their insurance price with us will receive a $10 Amazon gift card and we will send you a $25 Amazon Gift Card! Now that's easy money!
Even better, with the My Community Discount, you could earn up to 25% off your insurance for life when your community joins the Branch community.
Once you become a Branch client, you can use our app to participate in the Community Pledge program. When you do, you can ask other Branch clients to vouch that they believe you would not commit insurance fraud. For each person who does so, you’ll earn a discount off your insurance of 1% - up to 5% - for as long as you’re both Branch clients.
The fewer fraudulent claims we pay, the less cost our community bears, and the less you have to pay!