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Cheap Car Insurance in Phoenix, Arizona

Want to learn more about Phoenix and how to acquire cheap car insurance? Well, Phoenix is the capital of the state of Arizona. The city is also the largest in the state and was incorporated in 1881. Phoenix has a rich Native American history that is still prevalent in the city to this day. Southwestern art, music and cuisine define the city.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Phoenix, AZ. Get your free customized auto insurance quote today!

Driving Conditions in Phoenix

While Phoenix has problems with construction and congestion, the city is not known for major traffic issues. Residents and travelers who are passing through Phoenix can learn about delays due to road projects through the Arizona Department of Transportation.

Unique Laws in Phoenix

Driving laws in Arizona and the city of Phoenix mirror the laws found in cities across the U.S. However, one unique feature of the manual for drivers in the state of Arizona is that there is a section on driving while emotional. Drivers are warned to stay off the road when they are angry, depressed or overly excited.

Phoenix Crime Statistics

- Auto Thefts: The FBI works to collect information about the crimes committed in U.S. cities each year. This data can be used to discover that there were 7,555 auto thefts in Phoenix in 2011.

- Property Crimes: A total of 64,479 property crimes occurred in the city of Phoenix in 2011.

- Crash Statistics: The Arizona Department of Transportation reports that there were 30,662 total crashes in the city of Phoenix in 2012.

- Drunk Driving: A total of 1,366 alcohol-related crashes occurred in Phoenix in 2012.

Phoenix Vehicle and Driving Safety Requirements

Seat Belt Law

All front-seat occupants of a car in Arizona must wear a seat belt, and all occupants under age 16 must wear a seat belt, regardless of where they’re sitting. The law goes a step further for any passenger under age 5: They must be sitting in a child safety seat.

Helmet Law

All operators and passengers of motorcycles who are under age 18 must wear a helmet.


Distracted Driving Law

In Arizona, teen drivers are barred from texting or otherwise using a cellphone while driving in the first six months after getting a licensed or driving with a learners permit. Other Arizona drivers are allowed to text or talk on cellphones when they’re behind the wheel.

Impaired Driving Law

In Arizona, any driver who’s at least 21 years old will receive a DUI if the blood alcohol content (BAC) is above 0.08 percent. When a law enforcement officer pulls over a driver suspected of DUI, a field sobriety test will be given. If a driver refuses to take the test, that will result in an automatic one-year suspension of his or her driver’s license when it’s a first-time offense. Refusing to take the test will lead to two-year license suspension for a second or third offense.

For a driver under age 21, his or her Arizona license may be suspended if there is any BAC at all.

If convicted of a first-time DUI, you’ll be jailed for at least 10 consecutive days and be fined at least $1,250. In addition, you’ll be required to undergo alcohol treatment and education, install an ignition interlock device and perform community service.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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