Get A Quick Quote!

    Answer the questions below:

    Protect What Matters Most

    Free Auto Insurance Quote!

    “If you live in Arizona, IPA can help properly protect your cars, trucks, SUVs, and motorcycles with quotes from 40+ insurance companies.”

    Arizona Independent Insurance Agency

    BBB A+ Rating

    Recognition & Awards

    By delivering the best insurance solutions to our clients, Insurance Professionals of Arizona has been recognized by several national and local groups.

    Insurance Professionals of Arizona
    Insurance Professionals of Arizona
    Insurance Professionals of Arizona
    Insurance Professionals of Arizona

    Auto Insurance in Arizona

    Get the Proper Insurance Protection for All Your Vehicles

    The right auto insurance policy will properly protect you from financial loss. If your car is damaged or destroyed by an accident, fire, theft, or other events, the right policy will also help you get back on the road quickly. The proper automobile insurance policy can be the difference between a minor inconvenience and a major hassle.

    Auto insurance is required by law in all states and protects you by paying for damage or injury you cause others while driving your car; damage to your car or injury to you or your passengers in your car from a crash; and certain other occurrences such as theft and vandalism. Without insurance, you risk having to pay the full cost of any harm you cause others with your vehicle.

    An insurance policy is essentially a contract between you and your auto insurance company. You pay a premium at a regular interval and the insurance company is legally responsible to cover damages that your policy covers.

    Online Auto Insurance Quote

    Complete the form at the top of the page to get a free
    comparison quote and a review of your auto insurance coverage.

    Arizona Auto Insurance

    Coverage requirements vary by state, but usually include the following:

    Auto Insurance Liability Coverage


    It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended.

    Personal Injury Protection

    Personal Injury Protection (no-fault coverage)

    This is required in many states. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum required amounts.

    Medical Payments

    Medical Payments

    This coverage is available in some states (usually the states without no-fault insurance), and pays regardless of who may have been at fault. It pays for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash.

    Collision Insurance

    Collision Insurance

    This type of coverage protects your vehicle from damages that result from an accident with another vehicle or with other objects on the road. If your vehicle is in a car accident, the insurance will pay for repairs or if the car is totaled will cover the cost to replace it, up to the fair market value of the vehicle. Collision coverage usually comes with a deductible (the amount you pay before the insurance policy does). The higher the deductible, the less collision coverage will cost.

    Comprehensive Auto Insurance


    This type of coverage protects your vehicle from damages that are a result of things other than a collision. For instance, if your radio was stolen and the burglar broke your window and ruined your dashboard, the auto insurance can cover your losses and fix the damage. Theft, flood, hurricane, windshield damage and fire are commonly covered by comprehensive car insurance. Although not legally required by any state, if your vehicle is financed you will probably need it.

    Uninsured Motorist

    Uninsured Motorist

    This pays damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit and run driver.

    Underinsured Motorist

    Underinsured Motorist

    This pays damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages.

    We can compare your the coverage and rates of your current auto insurance
    policies to make sure you have the best policy at the lowest price.

      Get A Quick Quote!

      Answer the questions below:

      Frequently Asked Questions

      In Arizona, the minimum about of liability car insurance you need is:

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

      Liability coverage pays to repair damage or treat injuries you cause to others in an accident, these are known as bodily injury and property damage.Your automobile insurance policy’s liability coverage does not pay to repair your own property or injuries if you cause an accident.

      But it only pays out up to the limits stated in your policy — you will be responsible for paying for the rest out-of-pocket. This is why it is wise to have much more than the minimum amounts covered by your policy.

      How much auto insurance you need is dependent on your financial situation and you should discuss your risks with a qualified insurance broker to determine exactly the amount of coverage will keep you fully protected.

      There are many discounts available for auto insurance.  Most insurance carriers will offer discounts for good driving and accident records, as well as good student discounts, anti-lock brakes and anti-theft system discounts, home and auto bundling discounts, passive restraint discounts, and many more.  As independent insurance agents, we can also compare policies and carriers to make sure you are paying the lowest premium for the coverage you need.

      Yes, gender and age both affect premium rates. Rates are determined using statistical driving data that is put into an algorithm so that an insurance carrier can evaluate risk.  It has been shown that male drivers and young drivers are generally involved in more accidents. As result, these drivers will pay higherpremiums.

      This depends on the auto policy you have, but in most cases, if you’re driving a rental car of similar value to your care, your policy should be enough to cover the rental vehicle.  This can vary from carrier to carrier, so you will want to check to make sure.

      Liability auto insurance is required under Arizona law, but liability will only cover bodily injury to others and property damage to other people’s property, not your own.  In order to cover yourself completely there are other insurance coverage types available.  They include Comprehensive, Collision and Uninsured & Underinsured Motorist insurance.

      Insurance coverage from IPA Is Provided By These Trusted Insurance Companies.