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Search by Quote ID → Search by Date of BirthMercury Car Insurance in Phoenix
Mercury is committed to providing Phoenix drivers with affordable, comprehensive, and tailored car insurance solutions. Whether you’re commuting on the I-10 during rush hour or taking a leisurely drive through South Mountain Park, we can ensure that your coverage meets your specific needs.
Why Choose Mercury in Phoenix?
- Tailored coverage: Our coverage options are designed to protect you against the unexpected, from the sweltering summer heat affecting your vehicle’s performance to the occasional flash floods during monsoon season.
- Localized support: Our local agents are here to offer personalized support and advice, whether you’re a new resident navigating Arizona’s insurance requirements or a long-time Phoenix driver looking to optimize your coverage.
- 24/7 claims: Our streamlined claims process is designed for convenience and speed, helping you get back on the roads as quickly as possible.
- Affordable rates: Mercury offers some of the cheapest car insurance rates in Phoenix, as well as discounts and bundling options to help you save even more.
Is Auto Insurance Mandatory in Phoenix?
Yes, Arizona law mandates that all drivers must carry auto insurance. Understanding these requirements ensures you remain compliant and adequately protected while on the road.
Legal Requirements to Drive in Phoenix
According to the Arizona Department of Insurance and Financial Institutions, the state mandates the following minimum coverage limits:
- Bodily injury liability: $25,000 per person and $50,000 per accident. This coverage pays for injuries that you cause to someone else.
- Property damage liability: $15,000 per accident. This coverage pays for damage you cause to another person’s property with your vehicle.
Optional Phoenix Car Insurance Coverages
While the law requires liability coverage, several other types of insurance are available to enhance your protection on the road. Here are some optional coverages you might consider:
- Collision coverage: Pays for damage to your vehicle resulting from a collision, regardless of who’s at fault. This is particularly important in Phoenix, where dense traffic can increase the likelihood of accidents.
- Comprehensive coverage: Provides coverage for a range of non-collision incidents such as theft, vandalism, and weather-related damage, which is crucial in Phoenix where summer storms and heat can unexpectedly damage vehicles.
- Uninsured/underinsured motorist coverage: Offers protection if you’re involved in an accident with a driver who either lacks sufficient insurance or is not insured at all.
- Medical payments coverage: Helps pay for medical expenses associated with a car accident, regardless of who’s at fault. This can be vital for covering immediate medical costs for you and your passengers.
- Personal injury protection (PIP): PIP can be beneficial as it covers medical expenses, lost wages, and other incidental costs resulting from an injury in an auto accident, regardless of fault.
What Does Phoenix Auto Insurance Not Cover?
Most car insurance policies have specific exclusions that define what the insurance company will not pay for. Here are some typical exclusions you might encounter in auto insurance policies:
- Intentional damage: Auto insurance doesn’t cover damages you intentionally cause to your vehicle or another vehicle.
- Wear and tear: Insurance policies don't cover a vehicle's normal aging and wear. This includes routine maintenance issues such as oil changes, tire wear, brake pads, and similar upkeep necessities.
- Racing: Damages incurred while participating in racing or any form of competitive driving are generally not covered by standard auto insurance policies.
- Commercial use: If you use your vehicle for business, such as making deliveries, you’ll likely need a business auto insurance policy to get coverage.
- Personal belongings: Personal items left in the vehicle that are damaged or stolen usually are not covered under an auto insurance policy. You’ll need homeowners or renters insurance to get coverage for these items.
Get Cheap Auto Insurance in Phoenix from Mercury
Mercury already provides some of the cheapest car insurance in Phoenix, but we also offer a variety of ways to keep your premiums low while maintaining the protection you need on the road. Explore our stackable discount opportunities and bundling options to save more on your car insurance.
Save More with Discounts
Mercury believes in rewarding responsible drivers and offers several discounts that can significantly lower your auto insurance premiums:
- Good driver discount: If you have a clean driving record with no accidents or violations, you could be eligible for savings.
- Multi-car discount: Insure more than one vehicle, and you can receive a discount on your policy.
- Anti-theft feature discount: Installing approved anti-theft devices not only keeps your vehicle safe but also helps reduce your insurance cost.
- Auto pay discount: Sign up for automatic payments and you could receive a discount.
These are just a few ways you can save with Mercury. Contact a local agent to discuss all available discount options and find the best fit for your budget and lifestyle.
Bundling with Mercury
Maximize your savings by bundling your auto insurance with home or renters insurance. With combined coverage, you deal with one provider and one renewal date, making the process more streamlined and manageable.
- Phoenix home insurance: Protect your home and personal property from unexpected events such as theft, fire, or natural disasters.
- Phoenix renters insurance: If you’re renting in Phoenix, securing renters insurance can safeguard your belongings and cover potential liabilities. It’s an affordable way to ensure peace of mind, covering everything from furniture and electronics to personal liability.
Phoenix Car Insurance FAQ
Is car insurance high in Phoenix?
According to Value Penguin, the average cost of car insurance in Phoenix is $270 per month for full coverage, which is higher than the nationwide average of $164 per month.
How to find the cheapest car insurance in Phoenix?
By choosing Mercury, you can enjoy affordable rates, comprehensive coverage, and exceptional customer service. Get a quote today and see how we can help you save without sacrificing the quality of your car insurance.
How do I find a Mercury Agent in Phoenix?
Visit the Arizona Insurance Agents page to find an agent in your area.
What products does Mercury offer in Phoenix?
Mercury offers several products to Phoenix customers, including: