We work with most cars and drivers to get you the coverage you need at a price you can afford.

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We offer options for drivers with perfect and not-so-perfect driving histories.

Cheap Car Insurance AZ

Arizona is one of the great western states, featuring the Grand Canyon and a lingering ‘Wild West’ attitude that makes it a popular destination for tourists and residents alike. But at Freedom National, we don’t think there should be anything wild about your car insurance experience or the car insurance company you choose. That’s why we not only offer the cheap car insurance AZ residents are looking for, but also a 100% online buying experience, instant proof of insurance, and affordable coverage even for high-risk drivers with a past DUI, an at-fault accident, or a few minor tickets.

At Freedom National, we take our responsibility as your provider of cheap car insurance rates seriously. That’s why we don’t just want to cover you and your vehicle, we want to help you stay informed on the most important factors to consider when choosing cheap car insurance in AZ—including state laws and how they affect you.

State Minimums

Like all states, whichever cheap car insurance AZ drivers choose must have a minimum level of coverage. Arizona’s state minimum required coverages are:

• $25,000 bodily injury coverage per person
• $50,000 bodily injury coverage per accident
• $15,000 property damage per accident

These limits apply to liability insurance, which covers any bodily injury or property damage that results from an accident or incident in which you are found to be the main party at fault. These numbers describe the maximum amount that your insurance company will cover in the event of an accident like this between drivers in Arizona. Keep in mind, you may have the option to increase these limits as part of your auto policy, but this will result in slightly higher insurance premiums.

Note: You might also see coverage minimums expressed like this: 25/50/15, or 25,000/50,000/15,000.

Optional Coverage for Arizona

Now that we’ve addressed minimum coverages for the cheap car insurance AZ drivers need in the Grand Canyon state, what about additional coverage that’s not required but you may choose to include? Here are some of your options:

• Comprehensive - Comprehensive insurance covers a wide range of damage to your car aside from accidents or collisions. This can include weather events, vandalism, fires, animal damage, and other potential causes of damage.
• Collision - Collision insurance may not be required by the state of Georgia, but it’s often required by the financially interested party if you lease or finance your car. It covers the cost of repairing or replacing your vehicle if it’s damaged in an accident or collision with a vehicle or object, and it shouldn’t raise your premium too much if you deal with a company that specializes in providing cheap car insurance in GA.
• Uninsured Motorist Bodily Injury (UMBI) - If you’re involved in an accident that causes bodily harm to you or a passenger, but the responsible party doesn't have adequate insurance, this coverage will keep you from having to pay out of pocket for your costs.
• Medical Payments - This includes coverage for medical bills or funeral services in the event of hospitalization or death following an accident that is your fault.
• Towing and Labor - Covers costs of towing and labor after an accident.
• Auto Loan/Lease Payoff (also known as GAP coverage) - If you’re in an accident and your car is damaged beyond repair, but you owe more on the loan than your car is worth, gap coverage will make up the difference.
• Rental Car Coverage - Need a rental car after an accident puts your car in the shop? This coverage will pay for a rental.
• Custom Parts and Special Equipment Coverage - Collision coverage usually won't pay for aftermarket vehicle enhancements like custom rims and paint. If you have customized your car with aftermarket equipment, you'll need this coverage (sometimes called "special equipment coverage") to pay for replacement costs for this equipment.

Auto Insurance in Arizona - Specifications

When it comes to the cheap car insurance AZ drivers are looking for, every state has state-required specifications for how much insurance is required. These specifications can be simple in some states and more complicated in others. In Arizona, it’s important to know about state-specific auto insurance factors like SR-22 regulations, penalties for driving while uninsured, special liability insurance requirements, and proving financial responsibility when required. When drivers in Arizona are insured and informed, everyone is safer.

SR-22

An SR-22 form is a document filed through the Arizona Motor Vehicle Services Department that shows that the driver or owner of a vehicle is financially responsible and insured. But not everyone needs an SR-22 form, so understanding if you’re required to file one and what it means for your driving and insurance status is important.

Who needs an SR-22 form?

SR-22 forms are required for Arizona drivers who have been labeled  ‘high risk’ by the state. This applies to drivers who have had a DUI, an at-fault accident, multiple tickets or moving violations, or who have had periods of uninsured driving in the past. The SR-22 form is designed to prove to the government that these ‘high risk’ drivers are insured and safe to be driving on the road.

What happens if you don’t comply with SR-22 laws?

Failing to keep your SR-22 updated, letting it lapse, or failing to file one at all can have serious consequences. You can have your driver’s license suspended, and even have your vehicle’s registration suspended. On top of that, you’ll be hit with government fees to reinstate your license as well as other penalties depending on the reason you are required to file the SR-22 in the first place.

This also applies to paying your car insurance premiums when you have an SR-22 filed. If your insurance company notifies the government that your policy is not up to date, you can be penalized with a suspended license and more fees.

Driving Uninsured in Arizona

Whether you have an SR-22 or not, driving while uninsured in Arizona can have very serious consequences. These include a $500 fine, 3-month suspension of your Arizona driver’s license, and confiscation of your license plates. 

Proving Financial Responsibility

Arizona also requires that all drivers prove financial responsibility when registering their vehicle or at the request of any law enforcement officer at the time of an accident or traffic stop. Financial responsibility documents include proof of insurance, and Arizona requires insurance companies to notify the Arizona Motor Vehicle Division of any policy issuances, cancellations, or non-renewals.

Liability Insurance

We discussed minimum liability coverage above when addressing how to access cheap AZ car insurance, but it’s important to note that drivers (even those with the cheap car insurance AZ drivers choose with Freedom National) who do not maintain the state’s minimum 15/30/10 requirements for liability coverage are at risk of having their license suspended and being assessed as high-risk drivers in the future. Always ensure that you maintain at least the minimum coverage on your vehicle when it comes to liability in order to remain compliant with the law.

The Cheapest Car Insurance in AZ with Freedom National

So how does Freedom National access cheap AZ car insurance? By partnering with the most respected and affordable insurers in the state. We design each policy and offer quotes based on your unique situation, and we even take pride in being one of the most accessible insurance providers for high-risk drivers with histories of DUI, moving violations, or an at-fault accident—plus drivers with credit that’s less than perfect. We’ll get you insured and back to driving so that you can focus on living your life. 

Car Insurance Quotes

Freedom National lets you get a quote and sign up for a policy entirely online, helping provide the cheap car insurance AZ drivers need faster than ever before. But there is a range of factors that can go into deciding your insurance premium. Here are just a few of them:

• Driving records and claim history
• ZIP code where your vehicle resides
• Annual mileage
• Insurance history
• Year, Make, and Model of car
• Gender, age, and marriage status
• Credit history
• Number of years you’ve been a licensed driver

Looking for Cheap Car Insurance in AZ?

Wondering whether the Freedom National auto insurance company services your Arizona city, town, or area? Good news—we cover almost all of them! Freedom National offers car insurance for the entire state of Arizona, including these cities:

• Phoenix
• Glendale
• Tucson
• Tempe
• Mesa
• Laveen
• Peoria
• Scottsdale
• Gilbert
• Surprise
• Flagstaff
• Yuma

Ready to access the accessible and cheap car insurance AZ drivers have been looking for? With Freedom National, you’ll get the cheapest car insurance available plus full coverage, liability insurance, and amazing perks like 100% online sign-up and easy autopay so that you can just focus on driving with peace of mind and safety.