Home Insurance and Car Insurance in Arizona

Homeowners Insurance Coverage Options in

Arizona homeowners who are shopping for insurance should be aware of some key factors before they buy coverage. It’s important to know that there are two types of insurance available, named peril and all risk.

Named peril policies limit the covered causes of loss to those that are listed in the policy. All risk insurance coverage covers the largest variety of losses (freezes, collapse, fires, windstorms, smoke and more), but it excludes a specific set of catastrophes, including war, nuclear disasters and government action. Common types of home insurance coverage included in most policies are:

• Dwelling coverage, which protects the structure of your home—including roof and walls
• Personal property coverage that protects belongings inside your home, even if they are damaged or stolen from outside the house
• Personal liability coverage that covers you in the event you are sued due to an injury or property damage that occurs on your property
• Medical payments insurance that covers hospital bills and other associated costs of someone who is injured on your property
• Additional living expenses coverage that can help pay for increased expenses such as food, lodging and more if a covered loss renders your home uninhabitable

Common Causes of Loss in

Arizona homeowners enjoy beautiful views and a warm climate, but should know that the state is at a higher-than-average risk for several types of natural disasters. Common losses that lead to massive home insurance claims in Arizona include:

• Wildfires: Arizona sees several wildfires each year, which can lead to damage to land and homes.
• Flooding: Because of its dry climate, Arizona is at a high risk of flash floods. The desert ground can’t soak up water fast enough during heavy rains.
• Water damage: Heavy rains that cause flooding can also cause water damage to your home, especially if there are leaks in your roof, siding or windows. Blocked or obstructed drain lines and pipes can also lead to an increased risk of water damage.

Additional Coverage Options Recommended for Homeowners

It’s important to know if your home insurance policy pays for the full replacement cost or the actual cash value of a loss. Full replacement cost does not factor in depreciation, while actual cash value takes into account what the loss was worth at the time of the claim. Some insurance policies require you to pay for an additional endorsement for full replacement cost. Other additional coverage you should consider includes:

• Flood insurance: Because flooding is not covered under most home insurance policies, you may want to consider buying flood-specific insurance. This coverage is available from either your insurance company or as part of the National Flood Insurance Program (NFIP).
• Wildfire coverage: Most home insurance policies cover fire, but you may need to buy a separate policy if you live in an area at high risk for wildfires.
• Water backup coverage: A common addition to most insurance policies, this coverage can help pay for damage related to water backups if sewer or drain lines backup during a heavy storm.

Our Home Insurance Partners in

SelectQuote partners with home insurance companies who are well-known, highly-rated** and trusted to deliver affordable coverage in Arizona and other states. We compare rates from several insurance companies at once to help find you the best value for your budget.

What is the average home insurance cost in ?

The average monthly cost of home insurance in Arizona among SelectQuote customers is $74.96.*** This is less than the national average of $104.08.¹ Your Arizona home insurance rates will vary based on several factors, including:

• Your ZIP code
• Your coverage limits
• Types of coverage you purchase
• Your credit history

Homeowners Insurance Discounts in

Discounted home insurance rates are available in Arizona for a variety of reasons. It’s possible to see homeowners insurance discounts based on:

• Age of your home
• Installed home security systems
• Fireproofing improvements
• Length of time as a policyholder
• Low number of claims filed
• Choosing a higher deductible
• Bundling your home and auto insurance coverage

Auto Insurance Laws and Requirements

Arizona’s insurance requirements are similar to other states in that all drivers must carry liability insurance coverage.

Liability coverage must include both bodily injury liability insurance and property damage liability coverage. The former helps pay for injury claims and damages for other drivers and pedestrians after an auto accident in which you are found at fault. Property damage coverage pays for repairs or replacement of another person’s personal property. The minimum 25/50/15 coverage limits are as follows:

• $25,000 per person who sustains bodily injury or death
• $50,000 for two or more persons sustaining bodily injury or death
• $15,000 for damage to other property

Arizona drivers must also carry uninsured motorist (UM) and underinsured motorist (UIM) insurance coverage. This insurance pays for medical bills and property damage expenses if you’re involved in an accident where the other driver does not have any or enough insurance to pay the damages resulting from their collision with you. This type of coverage also pays for hit-and-run accidents. Limits for UM and UIM coverage are 25/50.

Other types of auto insurance coverage are available for purchase, too. They include:

• Comprehensive coverage helps pay for damage to your vehicle resulting from theft, fire, falling objects or storms.
• Collision coverage helps pay for damage related to an auto accident with another vehicle or an object.
• Gap insurance is common for financed vehicles and can pay the difference between what your car is worth and what is currently owed.
• Towing and rental car insurance can help get your car to a repair shop and provide you with temporary transportation after an accident in which your car is out of your possession for a few days.
• Medical expense coverage helps pay for hospital bills or medical tests after an accident for both you and your passengers.

Teen Driving Laws

Much like other states, Arizona’s teens are required to obtain a graduated instruction permit prior to getting their driver’s license.³ The teenage driver must hold this class G permit for at least six months, and they need supervised driving practice with a licensed driver who is 21 years old or older in the front seat. Teens with the graduated license are subject to additional restrictions, such as curfews and a limit on passengers.

Car Registration Information

Because Arizona requires all vehicles to be covered by liability insurance, you will need to provide proof of insurance at the time of car registration. You’ll also need to provide proof of vehicle ownership, usually by submitting title paperwork at the time of your registration.⁴ You may also need to put your vehicle through an emissions test.⁵

What is the average car insurance cost in ?

Among SelectQuote customers in Arizona, the average cost of car insurance is roughly $220 per month.**** Costs vary by ZIP code, make and model of car, your credit rating, driving history and deductible.

Our Auto Insurance Partners in

SelectQuote works with reputable insurance companies to shop for affordable auto insurance rates. We partner with highly-rated** carriers who sell more than the minimum required coverage to help you find a policy that meets your needs.