Cheap Auto Insurance Quotes in Queen Creek, AZ, for 2023

Car Insurance in Queen Creek, AZ

On average, a policy costs around $255 each month, but this price depends on a number of things. For example, you’ll likely see costs changing depending on whether you get the minimum amount of liability coverage or opt for extra add-ons like vandalism protection. Keep reading to find out how to get the best price and the easiest way to compare rates online.

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Cheapest Car Insurance in Queen Creek, AZ

Even though the average monthly cost of car insurance in Queen Creek is $255, there are still plenty of ways you can get a cheaper premium without having to compromise on your insurance needs. Insurers often charge different prices for the same policy, so be sure check out car insurance quotes from multiple insurance agencies so you can save.

Minimum Car Insurance Requirements in Arizona

Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Arizona^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arizona is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Queen Creek Car Insurance Rates by Driving and Accident History

There are plenty of reasons that you might see rates higher or lower than the average price. Unfortunately, having a poor driving record can really affect how much you pay for your insurance policy^[2]. If your history shows a long list of speeding tickets, at-fault accidents, or other violations, providers will see you as high-risk and much more expensive for them to insure.

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High-Risk Car Insurance Arizona

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Queen Creek Car Insurance Rates by Credit Tier

Aside from your driving history, another factor that could impact how much you pay for your policy is your credit score. While some states have outlawed using credit as a way to determine the cost of insurance products, most states—like Arizona—still use it as an indicator of financial health and responsibility^[3]. Sadly, people with lower scores tend to see higher rates.

How to Get the Cheapest Car Insurance in Queen Creek

Getting the coverage you need shouldn’t cost you an arm and a leg. Some policyholders opt for bundling their auto insurance with existing policies, like home insurance, renters insurance, life insurance, business insurance, and more. You can hunt for discounts and avoid extra add-ons, like comprehensive coverage, and just go for the bare minimum liability coverage.

You shouldn’t have to compromise on your insurance needs just to get a policy that fits your budget. Insurify makes it easy to compare car insurance quotes from different companies so you can compare rates side by side and find the coverage and price that work for you. You don’t need a big brand name like Allstate, Farmers Insurance, or State Farm for a quality policy.

Frequently Asked Questions