Auto Insurance in Zapata, Texas

Auto insurance is a critical aspect of responsible vehicle ownership in Zapata, Texas. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of Texas.

Understanding Vehicle Coverage in Zapata

When it comes to vehicle coverage in Zapata, Texas, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in Texas

Car insurance holds paramount importance in Texas, and Zapata is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In Texas, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Zapata, Texas involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including Texas, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Zapata, Texas, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Zapata Texas Auto Coverage

Understanding the intricacies of auto insurance coverage in Zapata, Texas, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by Texas law, and additional coverage options that residents in Zapata might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Zapata have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in Texas: Every state, including Texas, has its own set of minimum auto insurance requirements. In Texas, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Zapata: While meeting the state's minimum requirements is mandatory, many Zapata residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Zapata requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Zapata Texas

Affordable Auto Insurance in Zapata, Texas is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Zapata:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including Texas, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Zapata.

Zapata Car Insurance Rates

Car insurance rates in Zapata, Texas, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including Texas, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Zapata, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Zapata, Texas:

Keeping an eye on insurance rate trends in Zapata is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Zapata market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Zapata, Texas.

Best Auto Insurance Companies in Zapata

When it comes to securing the best auto insurance in Zapata, Texas, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Zapata residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Zapata Assurance Services

• Why Choose Zapata Assurance: Known for its local presence and personalized service, Zapata Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Zapata Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Zapata Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Zapata, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Zapata, Texas

Insuring your vehicle in Zapata involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Zapata

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Zapata residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Zapata residents.

Tips for Insuring Your Car in Zapata

Insuring your car in Zapata, Texas, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand Texas's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of Texas.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Zapata becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Zapata Texas

When it comes to securing auto insurance in Zapata, Texas, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Zapata, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of Texas's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Zapata area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Zapata region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Zapata:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Zapata. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Zapata. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Zapata not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Zapata, Texas

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Zapata residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Zapata, Texas, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Zapata, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: Texas's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in Texas. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Zapata, Texas, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Zapata's unique risks can help vehicle owners make informed decisions about their insurance coverage.

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• Auto Insurance in Phoenix, Arizona [Can’t-Miss Guide]

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• Written by:

• Sara Routhier

• Sr. Director of Content

• Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

• Sr. Director of Content

• Reviewed by:

• Jeff Root

• Licensed Insurance Agent

• Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

• Licensed Insurance Agent

• UPDATED: Nov 27, 2023

• Advertiser Disclosure

• It’s all about you. We want to help you make the right coverage choices.

• Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

• Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

• PHOENIX CITY STATISTICSDETAILS City Population1,626,078 City Density3,424 people per square mile Average Cost of Car Insurance in Phoenix$4,765.52 Cheapest Car Insurance CompanyUSAA + Geico Road ConditionsPoor Share: 23% Mediocre Share: 29% Fair Share: 20% Good Share: 27% Vehicle Operating Costs: $550

• Have you been spending valuable time searching high and low for the perfect car insurance policy? Have you plugged your information into a bunch of different websites promising to give you the cheapest car insurance quote out there?

• Did you become a telemarketer slave to a website that generates your number to many car insurance vendors that never stop calling you, even after you have car insurance?

• If you answered “yes” to any of these questions, you’ve come to the right place.

• There aren’t any boxes asking for your third pet’s name from 1996, and we aren’t going to ask for your phone number. Not at all.

• If you have just 15 short minutes, we’ll walk you through all the information you need about car insurance in Phoenix, Arizona.

• To save you time and money, we’ve collaborated with some of the most trustworthy sources to bring you the most accurate information about car insurance in Phoenix, Arizona.

• These sources include the FBI, the National Association of Insurance Commissioners, the Insurance Institute for Highway Safety, and more.

• From car insurance costs to Phoenix crash statistics, we have it all.

• Do you want to start saving money on your insurance policy right now? Use our free tool by entering your zip code into this box to get started.

• Table of Contents Toggle Cheapest Car Insurance in PhoenixCar Insurance Rates: Male vs. Female vs. AgeCheapest ZIP Codes in PhoenixWhat’s the best car insurance company in Phoenix?Cheapest Car Insurance Rates by CompanyBest Car Insurance for Commute RatesBest Car Insurance for Coverage Level RatesBest Car Insurance for Credit History RatesBest Car Insurance for Driving Record RatesCar Insurance Factors in PhoenixMetro Report – Growth & ProsperityMedian Household IncomeHomeownership in PhoenixEducation in PhoenixWage by Race & Ethnicity in Common JobsWage by Gender in Common JobsPoverty by Age & GenderPoverty by Race & EthnicityEmployment by OccupationsDriving in PhoenixRoads in PhoenixMajor HighwaysPopular Road Trips/SitesRoad ConditionsDoes your city use speeding or red light cameras?Vehicles in PhoenixMost Popular Vehicles OwnedHow Many Cars Per HouseholdHouseholds Without a CarSpeed Traps in PhoenixVehicle Theft in PhoenixTrafficTraffic Congestion in ArizonaTransportationBusiest HighwaysHow safe are Phoenix streets and roads?Allstate America’s Best Drivers ReportRidesharingE-star Repair ShopsWeatherPublic TransitAlternate TransportationParking in Metro AreasAir Quality in PhoenixMilitary/VeteransVeterans by Service PeriodMilitary Bases within an HourMilitary Discounts by ProviderUSAA Available in StateUnique Phoenix LawsHands-Free LawsFood TrucksTiny HomePhoenix Car Insurance FAQsWhat is the cost of living like in Phoenix?What car insurance is required in Phoenix?What do I do if I get into an accident in Phoenix?What happens if I get caught driving without insurance?What languages do I need to know in Phoenix?

• Table of Contents

• Cheapest Car Insurance in Phoenix

• We know that the cost of car insurance is an important deal-breaker for most people when choosing a policy, so we want to get straight to the point.

• How much does car insurance actually cost?

• We want to be straight up with you; we can’t solve the question with just one answer. Car insurance rates are based on many different factors.

• But, what are those factors?

• Tune in as we discuss below.

• Car Insurance Rates: Male vs. Female vs. Age

• Did you know that your age, gender, and marital status can affect your car insurance rate? Watch the short video below to learn more.

• Based on a recent study by Data USA, the median age in Phoenix, Arizona, is 33.8 years of age. This is good news because it tells us most drivers in the city won’t be charged more than the average driver in the U.S.

• Generally, drivers with a clean record who are over the age of 25 save a significant amount of money on their car insurance policy.

• Let’s take a closer look at how age can affect a car insurance rate in the table below.

• Age35601725Cheapest RateCheapest Age Average Annual Rate$2,966.21$2,747.78$10,105.79$3,384.84$2,747.78$60.00

• As you can see from the table above, young drivers typically pay the most money for car insurance. As you get older, and if you keep a clean record, your rate drastically drops in cost.

• We also see that drivers who are 60 years old usually pay the least amount of money for car insurance. This could be attributed to the fact that older drivers have a lot of driving experience and are less likely to cause an accident.

• Besides your age, gender can also influence your insurance rate. Check out the video below.

• According to Quadrant Data Solutions, on average, in Phoenix, Arizona, men pay $4,801.15 per year for car insurance while women pay $4,533.75 per year for the same policy.

• This means that men pay about $270 more per year for car insurance in Phoenix, Arizona, that women do.

• But why?

• Even though it’s completely unethical, car insurance companies often deem females as more responsible drivers than males.

• Let’s put these three stats (age, gender, and marital status) together and see what the results are.

• DemographicRate Married 60-year old female$2,697.88 Married 60-year old male$2,797.67 Married 35-year old female$2,961.25 Married 35-year old male$2,971.16 Single 25-year old female$3,235.53 Single 25-year old male$3,534.14 Average$4,801.15 Single 17-year old female$9,240.33 Single 17-year old male$10,971.25

• This table above shows us that married, 60-year-old females usually have the cheapest car insurance rate. Married couples usually have less expensive rates than singles do because they are also considered to be more responsible and less reckless when behind the wheel.

• On the other hand, single 17-year-old males pay the most money for car insurance.

• Don’t be discouraged by these statistics — there are many more factors that go into deciding a car insurance rate.

• Don’t go anywhere, those factors are coming up next.

• Cheapest ZIP Codes in Phoenix

• Did you know that the cost of car insurance in Phoenix, Arizona, could also be influenced by where you live?

• That’s right. Costs could vary based on crime rates and the frequency of natural disasters.

• Take a look at the different costs of car insurance arranged by ZIP codes in Phoenix. Find your ZIP code in the table below.

• ZIP CodeAverage Annual Rate 85003$4,961.45 85004$4,987.28 85006$5,049.71 85007$4,983.98 85008$4,785.75 85009$5,433.92 85012$4,990.24 85013$5,013.46 85014$4,811.87 85015$5,153.56 85016$4,710.99 85017$5,394.22 85018$4,615.79 85019$5,327.55 85020$4,825.63 85021$5,073.14 85022$4,550.49 85023$4,749.20 85024$4,489.60 85025$4,961.06 85026$4,738.00 85027$4,406.90 85028$4,477.01 85029$4,957.12 85031$5,297.78 85032$4,556.05 85033$5,179.81 85034$5,035.29 85035$5,185.54 85037$4,750.51 85039$4,500.91 85040$5,084.77 85041$5,069.50 85042$4,847.26 85043$4,999.24 85044$4,181.43 85045$4,204.17 85048$4,138.67 85050$4,345.58 85051$5,106.96 85053$4,686.83 85054$4,407.98 85065$4,676.64 85073$4,788.65 85083$4,285.29 85085$4,129.51 85086$4,053.68 85087$4,090.25 85097$4,460.05

• The table above shows that there’s almost a $1,500 difference from the cheapest ZIP code rate to the most expensive rate.

• That’s a pretty significant difference considering all of these ZIP codes are in the same exact city.

• What’s the best car insurance company in Phoenix?

• When you’re considering an insurance rate from a specific company, it’s important to remember that not all car insurance companies are created equal.

• While one rate from one car insurance company might be influenced more by place of residence, another rate from another company might be influenced more by a person’s credit score or driving record.

• While assessing which car insurance company to insure you, it’s important to always look at the big picture, but sometimes this is easier said than done.

• To save you time and confusion, we’ve already done all of the leg work for you — we’ve included information in this section like cheapest rates by company, rates based on driving record, commute, credit score, and so much more.

• This table indicates the car insurance companies that charge the cheapest coverage rates in Phoenix, Arizona.

• GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleAverage Allstate$4,419.60$4,419.60$4,306.76$4,306.76$9,466.11$12,191.84$4,925.16$5,341.70$6,172.19 American Family$3,264.65$3,264.65$2,998.24$2,998.24$8,649.73$11,311.59$3,264.65$3,820.35$4,946.51 Farmers$3,488.67$3,491.25$3,092.54$3,300.20$15,434.42$16,048.47$3,945.24$4,071.95$6,609.09 Geico$1,944.75$2,172.44$1,658.73$2,135.01$5,622.93$5,896.33$1,765.35$1,721.86$2,864.68 Nationwide$3,055.09$3,109.12$2,723.37$2,888.14$7,705.85$9,890.36$3,542.35$3,835.44$4,593.72 Progressive$2,452.83$2,128.39$2,197.51$2,087.34$10,127.71$11,275.34$2,621.26$2,581.25$4,433.95 State Farm$3,770.00$3,770.00$3,337.79$3,337.79$11,885.08$14,939.62$4,058.40$5,133.79$6,279.06 Travelers$2,399.40$2,526.29$2,233.39$2,376.04$7,161.63$9,051.98$2,542.13$2,673.68$3,870.57 USAA$1,856.29$1,858.69$1,732.63$1,749.52$7,109.49$8,135.68$2,455.27$2,627.25$3,440.60

• If you look at the table above, you’ll notice that USAA, Travelers, and Geico have the cheapest rates out of any of the companies listed.

• As we discussed in the previous section, this table also confirms that single, 17-year-old males tend to pay the highest rate for car insurance.

• When you’re looking at this table, make sure you pick out the average rates for your demographic, not just the cheapest rates on the table.

• According to the Federal Highway Administration’s 2014 Licensed Drivers By State report, Arizona drivers drove an average of 12,829 miles in the state that year.

• This table below shows average rates based on commute miles driven.

• Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average Allstate$6,172.19$6,172.19$6,172.19 American Family$4,899.30$4,993.72$4,946.51 Farmers$6,609.09$6,609.09$6,609.09 Geico$2,815.81$2,913.54$2,864.68 Nationwide$4,593.71$4,593.71$4,593.71 Progressive$4,433.95$4,433.95$4,433.95 State Farm$6,117.42$6,440.69$6,279.06 Travelers$3,870.57$3,870.57$3,870.57 USAA$3,403.62$3,477.59$3,440.61

• This table reveals that while some companies charge the same rate across the board, other companies charge $50-$100 more if you drive more miles per year.

• If you drive more than the average person does per year, you might want to check out progressive.

• Coverage level is very important when choosing a car insurance policy. Your coverage level determines how much money you’ll have to pay out of pocket when you get into an accident.

• Some car insurance companies might give you a break on your rate if you choose a higher coverage level. See the table below.

• GroupHighLowMediumAverage Allstate$6,593.61$5,711.69$6,211.28$6,172.19 American Family$4,975.42$4,760.14$5,103.98$4,946.51 Farmers$7,602.03$5,542.42$6,682.83$6,609.09 Geico$3,322.45$2,360.09$2,911.48$2,864.67 Nationwide$4,773.24$4,360.28$4,647.62$4,593.71 Progressive$4,940.49$3,837.15$4,524.22$4,433.95 State Farm$6,816.24$5,615.20$6,405.74$6,279.06 Travelers$4,249.42$3,425.94$3,936.34$3,870.57 USAA$3,670.71$3,160.54$3,490.56$3,440.60

• For just a few hundred dollars more per year, you can go from having low coverage insurance to high coverage insurance. This could mean the difference from having minimum liability insurance to comprehensive coverage.

• Having higher coverage could cost you as little as $50 more per month and could save you thousands of dollars in the long run.

• Credit history is another factor that can influence your car insurance rate.

• Except for a few states in the country where the practice is illegal, many car insurance carriers will use your credit history as a determining factor when evaluating your car insurance rate.

• Check out the table below.

• GroupFairGoodPoorAverage Allstate$5,618.05$5,025.29$7,873.23$6,172.19 American Family$4,632.34$3,993.23$6,213.97$4,946.51 Farmers$6,309.77$6,000.67$7,516.84$6,609.09 Geico$2,579.19$2,067.82$3,947.01$2,864.67 Nationwide$4,397.66$3,839.02$5,544.47$4,593.72 Progressive$4,318.99$4,032.59$4,950.28$4,433.95 State Farm$4,471.16$2,796.19$11,569.83$6,279.06 Travelers$3,839.59$3,056.90$4,715.22$3,870.57 USAA$3,164.45$2,635.49$4,521.87$3,440.60

• As you can see, if you have bad credit, your rate can potentially increase by thousands of dollars.

• Check out State Farm’s rate: if you have poor credit, they will hike up your rate from $2,796.19 to $11,569.83. In general, people with poor credit are usually less responsible — less responsible drivers and less likely to pay their bills on time.

• The most significant factor to influence your car insurance rate is your driving record. After all, you are signing up with a company that is going to assess how much of a potential risk you are.

• The table below reveals exactly how much your rates could change based on your driving record alone.

• GroupClean recordWith 1 accidentWith 1 DUIWith 1 speeding violationAverage Allstate$4,944.22$6,260.76$7,084.42$6,399.37$6,096.47 American Family$3,525.12$5,384.00$6,785.55$4,091.37$5,231.56 Farmers$5,583.15$7,211.81$7,037.94$6,603.47$6,610.97 Geico$2,207.41$3,003.89$4,039.99$2,207.41$3,083.76 Nationwide$3,872.83$4,077.56$6,081.05$4,343.42$4,677.15 Progressive$3,903.29$5,165.24$4,121.89$4,545.39$4,396.81 State Farm$5,700.86$6,857.25$6,279.06$6,279.06$6,279.06 Travelers$3,086.93$4,032.98$4,509.47$3,852.89$3,876.46 USAA$2,497.98$3,589.97$4,732.04$2,942.41$3,606.66

• These companies don’t mess around with drivers who violate the law. If you get a speeding ticket or are convicted of a DUI, your rates will increase by thousands of dollars per year.

• On the other hand, if you get into an accident, Geico might only raise your rate by $700 per year. This is on the lower side, considering some car insurance companies on this list might raise your rate by almost $2,000 more per year after an accident.

• Car Insurance Factors in Phoenix

• Don’t go away just yet — there are still many more factors that can affect the cost of car insurance in Phoenix, Arizona.

• We’ve partnered with Data USA and a few other websites to bring you the important information listed below.

• Let’s take a look at the growth and prosperity in Phoenix, Arizona, in the Brookings Metro Report.

• Prosperity:

• Growth:

• From 2016-2017, Phoenix, Arizona, saw a huge increase in both areas of prosperity and growth.

• You should know now that insurance isn’t cheap — but what is the annual median household income in Phoenix, Arizona?

• According to Data USA, the median household income in Phoenix is $56,696.

• Phoenix’s median household income was under the median nationwide annual income of $60,336; however, it did increase by 8.9 percent from 2016 to 2017.

• But what does all this have to do with insurance premiums?

• The average cost of car insurance in Phoenix, Arizona, is $4,765.52. This means that the average driver living in Phoenix spends an average of 8.4 percent of their annual income per year on car insurance alone.

• How much of your current income is spent on car insurance?

• You might not think of it this way, but owning a home can help you save money on your car insurance policy.

• Car insurance companies believe drivers who own a home are more responsible in general and are more likely to pay their bills every month and on time.

• Many car insurance companies will even offer you a discount if you bundle your homeowners insurance with your car insurance policy.

• In 2017, 56.1 percent of the housing units in Phoenix, Arizona, were occupied by their owners. This percentage grew from the previous year’s rate of 53 percent. This percentage of owner-occupation is lower than the national average of 63.9 percent.

• In the same year, the median property value in Phoenix grew to $231,000 from the previous year’s value of $213,300.

• Phoenix has several great universities for students to attend. In 2016, universities in Phoenix, Arizona, awarded 39,370 degrees.

• The student population of Phoenix, Arizona, is skewed toward women, with 45,062 male students and 96,557 female students.

• Based on the stats acquired by Data USA, the largest universities in Phoenix in terms of degrees conferred were Grand Canyon University, Arizona State University-Downtown Phoenix, and Phoenix College.

• The number of graduates, as well as the percentage of total degrees the largest Phoenix educational institutions conferred in 2016, are as follows:

• Currently, the most popular majors in Phoenix by concentration and percentage of degrees awarded are:

• General special education and teaching was another popular major in Phoenix, Arizona: 890 degrees were awarded in 2016.

• The median tuition costs in Phoenix, Arizona, are $18,021 for private four-year colleges, and $9,442 and $25,140, respectively, for public four-year colleges for in-state students and out-of-state students.

• How do race and ethnicity affect the wage rate in Phoenix, Arizona?

• Data USA says in 2017, the highest paid race/ethnicity of Arizona workers was Asian. These workers were paid 1.21 times more than white workers, who made the second-highest salary of any race/ethnicity.

• But let’s take things a step further.

• The table below indicates wages for common jobs based on race and ethnicity in Phoenix, Arizona, along with the percentage of those workers’ incomes going to auto insurance premiums.

• EthnicityMiscellaneous ManagersPERCENTAGE OF INCOME GOING TO CAR INSURANCEFirstline supervisors of retailsales workersPERCENTAGE OF INCOME GOING TO CAR INSURANCECustomer Service RepresentativesPERCENTAGE OF INCOME GOING TO CAR INSURANCEElementary + Middle School TeachersPERCENTAGE OF INCOME GOING TO CAR INSURANCECashiersPERCENTAGE OF INCOME GOING TO CAR INSURANCE Asian$99,8314.70%$59,9127.90%$47,09910.10%$37,72612.60%$12,48338.10% White$90,6585.20%$52,5619%$30,82215.40%$39,18212.10%$18,80125.30% American Indian$82,0905.80%$30,99215.30%$30,30615.70%$42,08911.30%$16,59028.70% Other$64,9167.30%$32,20914.70%$22,54321.10%$36,30313.10%$8,93353.30% Two or More Races$52,8909%$61,5807.70%$18,59425.60%$37,01112.80%$12,05839.50% Black$50,4559.40%$57,7018.20%$26,21818.10%$41,11811.50%$9,26051.40%

• It’s pretty crazy to see the different wage rates for the same jobs. Some of the workers spend up to 50 percent or more of their yearly income on car insurance alone.

• Even the highest-paid workers are paying as much as 38 percent of their salary on car insurance.

• The gender pay gap has been a hot topic for a long time now, and while some may say it doesn’t exist, the data doesn’t lie.

• In 2017, full-time male employees in Arizona made 1.31 times more than female employees.

• That’s more than a $14,000 wage gap between genders. The average annual cost of car insurance in Phoenix, Arizona, is  $4,765.52.

• According to our data, on average, women spend 9.9 percent of their yearly salary on car insurance, while men spend about 7.6 percent of their salary on car insurance.

• Here are key trends to look for concerning age- and gender-based poverty rates.

• There is 20.9 percent of the population for whom poverty status is determined in Phoenix, Arizona,(325,000 out of 1.56 million people) living below the poverty line, a number that is higher than the national average of 13.4 percent.

• The largest demographic living in poverty are females 25-34, followed by females 35-44 and then males 6-11.

• According to Data USA, the most common racial or ethnic group living below the poverty line in Phoenix, Arizona, is white, followed by Hispanic and Other.

• Here are the stats below:

• The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished.

• If a family’s total income is less than the family’s threshold than that family and every individual in it is considered to be living in poverty.

• From 2016 to 2017, employment in Phoenix, Arizona, grew at a rate of 2.82 percent, from 770,000 employees to 792,000 employees.

• The most common positions by the number of residents in Phoenix, Arizona, are as follows:

• Compared to other places, Phoenix, Arizona, has an unusually high number of residents working as building and grounds occupations (1.47 times higher than expected), construction and extraction occupations (1.39 times), and material moving occupations (1.36 times).

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• Driving in Phoenix

• Driving through a city isn’t always a walk in the park. It’s important to know the best routes in your city to avoid traffic jams and road construction to get the most out of your gas mileage.

• Up next, we talk about the best driving routes through Phoenix, Arizona.

• Roads in Phoenix

• From major highways, toll roads, popular sites, and more, we have all your Phoenix driving needs covered.

• The state of Arizona has 6 active routes running through the state, comprising a total of 1,168.64 miles of roadway. These active interstates include:

• As you can see from the map above, Interstate 10 is a major highway that runs east and west through Phoenix, Arizona.

• According to TollGuru, currently, no toll roads exist in Arizona.

• However, you can use Arizona Gas Calculator to calculate gas expenses for your trips in Arizona. If you travel to nearby California, Texas, Colorado, or Oklahoma, you can use the toll calculator to calculate tolls and gas expenses for cars, trucks, trailers, buses, RVs, and motorcycles.

• Whether you’re on vacation or you’re a year-round resident in Phoenix, we’ve got a list of things to do and places to see in the city.

• The following information is brought to you by Trip Advisor.

• Check out the table below for road conditions in Phoenix, Arizona.

• Poor ShareMediocre ShareFair ShareGood ShareVehicle Operating Costs 23%29%20%27%$550

• The Arizona Department of Transportation offers the 511 Traveler Information Service. It’s simple; by just dialing 511, you can get information on closures, delays, public transit services, major airports, tourism, weather, and more.

• You no longer need to remember those long phone numbers. All this information is available by dialing three digits, 511.

• Phoenix currently has fixed red light cameras at 12 intersections in addition to speed-enforcement units that can be moved around school zones.

• However, starting in January 2020, The city will no longer use red light and speed enforcement cameras at intersections.

• Vehicles in Phoenix

• In this next section, we’ll cover topics like vehicle ownership, speed traps in Phoenix, vehicle theft, the most popular vehicles driven in Phoenix, and more.

• Stay tuned for more information about vehicle statistics in Phoenix.

• According to an article by Your Mechanic, the most unusually popular car drive in Phoenix is a Nissan 350Z.

• According to officialdata.org, the National Highway Traffic Safety Administration (NHTSA) has conducted one recall, zero investigations of reports of a defective product, and recorded 22 safety complaints filed against this vehicle.

• Nissan has manufactured models of 350z for six years. They average 19.6 combined miles per gallon, with the latest 2008 350z above average at 20 combined MPG.

• Government regulators estimate the fuel cost of the 2008 350z to be $2,500 per year. This estimate is based on 15,000 miles driven, 55 percent city driving and 45 percent highway driving, and premium gasoline.

• According to Data USA, the average number of cars owned per household in Phoenix, Arizona, is two.

• While the largest share of households in Phoenix has two cars, the next largest share of households owns one car.

• While many households in Phoenix own at least two vehicles, some households do not own a vehicle at all.

• Check out this table below, showing statistics on households in Phoenix without a car.

• 2015 Households Without Vehicles2016 Households Without Vehicles2015 Vehicles Per Household2016 Vehicles Per Household 9.10%8.40%1.661.71

• According to this table above, the number of households without a car decreased from 9.1 percent in 2015 to 8.4 percent in 2016.

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• Free Auto Insurance Comparison

• Enter your ZIP code below to compare auto insurance rates.

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• Have you ever been driving along down the road, minding your own business and following the speed of traffic when suddenly you see the flashing red and blue lights behind you?

• Out of nowhere, a law enforcement officer comes from the inside of a wooded area, and you know what’s happening next; you’re getting a speeding ticket.

• That’s right: if you’ve ever been in a situation like this one, you’ve been a victim of a speed trap.

• All of this considered, the city of Phoenix did not make it onto the 10 Worst Arizona Speed Trap Cities, according to an article by Speedtrap.org.

• Even if your city isn’t known for its speed traps, you should always follow the speed limit sign that is posted instead of the flow of traffic.

• Can you guess how many reported vehicle theft incidents there were in Phoenix in 2018? The FBI reported 7,815 vehicle thefts in Phoenix in 2018.

• With so many vehicle thefts, how safe does that leave the city of Phoenix?

• According to Neighborhood Scout, the top 10 safest neighborhoods in Phoenix are listed below.

• Neighborhood Scout also revealed that your chances of becoming a victim of violent crime are approximately 7.69 per 1,000 residents. This is higher than the statewide figure, which puts residents at a 5.08 per 1,000 chance of being a victim of violent crime.

• Phoenix is only safer than 7 percent of cities across the country. The city ranks seventh in Neighborhood Scout’s crime index, with 100 being the absolute safest.

• The table below illustrates the incidents of violent crime in Phoenix, Arizona, in 2017.

• PHOENIX VIOLENT CRIMESMURDERRAPEROBBERYASSAULT Report Total1571,1423,2937,919 Rate Per 1,000 People0.10.72.034.87

• This table above shows that there were 157 murders in 2017 in Phoenix, Arizona.

• Here is Phoenix’s annual number of crimes for the year 2017.

• Phoenix Annual CrimesVIOLENTPROPERTYTOTAL Number of Crimes12,51160,35372,864 Crime Rate (per 1,000 residents)7.6937.1244.81

• Because crime rates are higher in Phoenix than they are in other parts of Arizona, it might be smart to move to one of the safer neighborhoods in Phoenix listed above.

• Traffic

• Now that we’ve checked out Phoenix road conditions, vehicle theft, and vehicle ownership, it’s time to talk about traffic.

• Buckle up as we dive right into traffic statistics in Phoenix, Arizona.

• According to Inrix, Phoenix is the 22nd-most traffic-congested city in the state of Arizona.

• WORLD RANKNATIONAL RANKHOURS LOST IN CONGESTIONCOST OF CONGESTION (PER DRIVER) 12522125$1,013

• Traffic congestion costs the average driver over $1,000 in the city of Phoenix in 2018.

• Using averages, employees in Phoenix, Arizona, have a shorter commute time (24.8 minutes) than the normal U.S. worker (25.5 minutes). Additionally, 1.96 percent of the workforce in Phoenix, Arizona, have “super commutes” in excess of 90 minutes.

• But what types of transportation are used the most in Phoenix?

• In 2017, the most common method of travel for workers in Phoenix, Arizona, was to drive alone (74.1 percent), followed by those who carpooled (13.3 percent) and those who worked from home (5.67 percent).

• According to an article by Streets Blog USA, the transcontinental interstate is Arizona’s longest and busiest highway, connecting Phoenix and Tucson along its 2,460-mile length.

• This interstate is also one of Arizona’s most dangerous roads.

• We’ve talked about crime rates, but how safe are Phoenix roads? In this section, we will discuss traffic fatality rates, how fatalities happen, and why they happen on the road.

• The following information is brought to you by the National Highway Traffic Safety Administration.

• To begin, let’s take a look at the total fatal crashes in Phoenix counties as of 2018.

• CountyFatalities 20142015201620172018Fatalities Per 100,000 Population 20142015201620172018 Maricopa3674054784624908.969.711.2210.6711.11 Pinal455562717111.3713.5414.8616.4315.88

• According to the table above, there were 561 traffic fatalities in Phoenix, Arizona, in 2018.

• Next, let’s take a look at fatalities in crashes involving an alcohol-impaired driver.

• CountyFatalities 20142015201620172018Fatalities Per 100,000 Population 20142015201620172018 Maricopa771151311211391.882.753.082.793.15 Pinal18181611234.554.433.832.555.14

• There were 162 fatal crashes in 2018 that resulted from an alcohol-impaired driver.

• This next table shows rates for single-vehicle fatalities in Phoenix.

• CountyFatalities 20142015201620172018Fatalities Per 100,000 Population 20142015201620172018 Maricopa2062002582392895.034.796.065.526.55 Pinal20333931295.058.139.347.176.49

• The county of Maricopa had 260 more single-vehicle traffic fatalities than Pinal County did in 2018.

• Let’s take a look at how speeding influenced the fatality rates in Phoenix.

• CountyFatalities 20142015201620172018Fatalities Per 100,000 Population 20142015201620172018 Maricopa1111321481381312.713.163.483.192.97 Pinal17162421154.293.945.754.863.35

• Maricopa County had 117 speeding-related traffic fatalities than Pinal County did in 2018.

• This next table below reveals fatal crashes involving roadway departures.

• CountyFatalities 20142015201620172018Fatalities Per 100,000 Population 20142015201620172018 Maricopa981221361221562.392.923.192.823.54 Pinal21253329345.36.167.916.717.6

• As you can see, there were 776 fatal crashes in Phoenix involving a roadway departure from 2014-2018.

• The table below shows fatal crashes involving an intersection.

• CountyFatalities 20142015201620172018Fatalities Per 100,000 Population 20142015201620172018 Maricopa1411631801721683.443.94.233.973.81 Pinal11111423122.782.713.355.322.68

• Based on our other fatality rates listed above, it is not surprising that there were only 12 fatal crashes involving an intersection in Pinal County.

• This next section will show traffic fatalities involving passengers, pedestrians, and pedal cyclists.

• First, let’s look at fatality rates involving a passenger occupant.

• CountyFatalities 20142015201620172018Fatalities Per 100,000 Population 20142015201620172018 Maricopa1031261211201402.513.022.842.773.17 Pinal1492518213.542.225.994.174.7

• There were 161 fatalities resulting in passenger occupant traffic accidents in 2018.

• The following table shows pedestrian fatalities in Phoenix.

• CountyFatalities 20142015201620172018Fatalities Per 100,000 Population 20142015201620172018 Maricopa91971311381602.222.323.083.193.63 Pinal4961141.012.221.442.550.89

• There were only four fatal accidents involving pedestrians in Pinal County in 2018.

• This last table shows pedalcyclists fatality rates in Phoenix counties.

• CountyFatalities 20142015201620172018Fatalities Per 100,000 Population 20142015201620172018 Maricopa18142222100.440.340.520.510.23 Pinal0423100.990.480.690.22

• There were a total of 11 pedalcyclist fatalities in 2018 in Phoenix.

• Check out the table below, indicating the NHTSA’s data regarding highways in the state of Arizona with the most fatal crashes.

• Arizona Road TypeRuralUrbanFreeway + ExpresswayOtherMinor ArterialCollector ArterialLocalUnknownTotal Fatal Crashes Fatal Crashes7260453201861281044919

• As you can see from the table above, most fatal crashes occur on minor arterial roads. An arterial road is just a high-capacity urban road. Depending on how much traffic is filtering through a specific area, the road could be categorized as a highway or a minor arterial road.

• Besides roadway accidents, let’s also take a look at railroad crashes as they contribute to road dangers in Phoenix, Arizona.

• The U.S. Department of Transportation accumulated data indicating the fatalities and injuries in Phoenix due to highway and railroad crashes in recent years, as listed in the table below.

• Calendar YearCountyHighwayHighway User TypeRail Equipment TypeNon Suicide FatalityNon Suicide InjuryCityState NameLatitudeLongitudeGeoLocation 2012MARICOPA27TH AVENUETruck-trailerYard/Switch00PHOENIXArizona33.4801533-112.11716Arizona (33.4801533, -112.1171600) 2012MARICOPA27TH AVENUEAutomobileYard/Switch01PHOENIXArizona33.4801533-112.11716Arizona (33.4801533, -112.1171600) 2012MARICOPA27TH AVENUEAutomobileFreight Train00PHOENIXArizona33.4801533-112.11716Arizona (33.4801533, -112.1171600) 2013MARICOPATHOMAS RDAutomobileFreight Train00PHOENIXArizona33.4805533-112.1176185Arizona (33.4805533, -112.1176185) 2013MARICOPATHOMAS RDPick-up truckLight Loco(s)00PHOENIXArizona33.4805533-112.1176185Arizona (33.4805533, -112.1176185) 2013MARICOPA20TH AVENUEAutomobileYard/Switch00PHOENIXArizona33.422646-112.102007Arizona (33.42264600, -112.10200700) 2013MARICOPATHOMAS RDAutomobileLight Loco(s)00PHOENIXArizona33.4805533-112.1176185Arizona (33.4805533, -112.1176185) 2013MARICOPATHOMAS RDAutomobileYard/Switch00PHOENIXArizona33.4805533-112.1176185Arizona (33.4805533, -112.1176185) 2014MARICOPAOSBORN RDPedestrianFreight Train01PHOENIXArizona33.4876333-112.1258667Arizona (33.4876333, -112.1258667) 2014MARICOPA35TH AVENUEAutomobileFreight Train00PHOENIXArizona33.4944833-112.134Arizona (33.4944833, -112.1340000) 2014MARICOPA37TH AVENUEAutomobileLight Loco(s)02PHOENIXArizona33.4944833-112.134Arizona (33.4944833, -112.1340000) 2014MARICOPA27TH AVENUEAutomobileLight Loco(s)00PHOENIXArizona33.4801533-112.11716Arizona (33.4801533, -112.1171600) 2014MARICOPA43RD AVEAutomobileYard/Switch00PHOENIXArizona33.5066083-112.151625Arizona (33.5066083, -112.1516250) 2014MARICOPATHOMAS RDAutomobileLight Loco(s)00PHOENIXArizona33.4805533-112.1176185Arizona (33.4805533, -112.1176185) 2015MARICOPA35TH AVENUEAutomobileFreight Train00PHOENIXArizona33.4944833-112.134Arizona (33.4944833, -112.1340000) 2015MARICOPATHOMAS RDPedestrianLight Loco(s)01PHOENIXArizona33.4805533-112.1176185Arizona (33.4805533, -112.1176185) 2015MARICOPA27TH AVENUEAutomobileFreight Train00PHOENIXArizona33.4801533-112.11716Arizona (33.4801533, -112.1171600) 2015MARICOPAINDIAN SCHOOL ROADAutomobileYard/Switch00PHOENIXArizona33.4949233-112.1352067Arizona (33.4949233, -112.1352067) 2015MARICOPALOWER BUCKEYE RDAutomobileFreight Train00PHOENIXArizona33.4221967-112.1010367Arizona (33.4221967, -112.1010367) 2015MARICOPA27TH AVENUEAutomobileLight Loco(s)00PHOENIXArizona33.4801533-112.11716Arizona (33.4801533, -112.1171600) 2015MARICOPAVANBUREN STREETAutomobileYard/Switch00PHOENIXArizona33.451276-112.164583Arizona (33.4512760, -112.1645830) 2015MARICOPA27TH AVETruck-trailerYard/Switch00PHOENIXArizona33.4801533-112.11716Arizona (33.4801533, -112.1171600) 2015MARICOPA35TH AVENUEPedestrianLight Loco(s)01PHOENIXArizona33.4944833-112.134Arizona (33.4944833, -112.1340000) 2016MARICOPAINDIAN SCHOOL RDAutomobileLight Loco(s)00PHOENIXArizona33.4949233-112.1352067Arizona (33.4949233, -112.1352067) 2016MARICOPAWASHINGTON ST.Pick-up truckYard/Switch00PHOENIXArizona33.448115-112.1003292Arizona (33.4481150, -112.1003292) 2016MARICOPA35TH AVENUEAutomobileFreight Train00PHOENIXArizona33.4944833-112.134Arizona (33.4944833, -112.1340000) 2016MARICOPA27TH AVENUEAutomobileLight Loco(s)00PHOENIXArizona33.4801533-112.11716Arizona (33.4801533, -112.1171600)

• As you can see, most railroad fatalities happened on 37th Street in Phoenix.

• Have you ever wondered how drivers in Phoenix compare to other drivers in the country?

• According to data collected from Allstate’s Best Drivers in America Report, Phoenix is the 84th-safest city to drive in the country as of 2019.

• In Phoenix, Arizona, the likelihood of a claim being made as compared to the national average is 19 percent. Residents of Phoenix typically have 9.3 average years between claims.

• Even though Phoenix is ranked as the 84th-safest driving city in the U.S., 9.3 years between claims is a good number because it shows Phoenix drivers don’t get into accidents often.

• Whether it’s to avoid an accident or a sudden slowdown in traffic, Phoenix’s hard-braking events per 1,000 miles is 27.4.

• Even though this number isn’t super high, it’s always a good idea to pay attention while driving so you don’t have to hard-brake.

• Are you looking for ridesharing services in Phoenix, Arizona? What services are available?

• According to RideGuru, these are the ridesharing services located near you.

• Are you in need of vehicle repairs? Are you looking for a repair you can trust?

• You’ve come to the right place, because an Estar repair shop can help. E-star is an Esurance-sponsored program that helps drivers find the best repair shops in their area.

• Check out the top 10 vehicle repair shops in Phoenix listed in the table below.

• Shop NameAddressContact Information CARSTAR MICHAEL'S COLLISION11044 N CAVE CREEK RD PHOENIX AZ 85020email: [email protected] P: (602) 371-1700 CHANEY'S COLLISION CENTERS7161 N 61st Ave GLENDALE AZ 85301email: [email protected] P: (623) 934-9000 F: (623) 939-8658 CHAPMAN AUTO BODY999 W Bell Road PHOENIX AZ 85023email: [email protected] P: (602) 866-6180 GERBER - AVONDALE775 NORTH DYSART ROAD AVONDALE AZ 85323email: [email protected] P: (623) 935-6133 F: (623) 925-9451 GERBER - MESA/BROADWAY RD1015 W BROADWAY RD MESA AZ 85210email: [email protected] P: (480) 969-5485 F: (480) 962-8745 GERBER - SCOTTSDALE/SAN VICTOR DRIVE8910 E SAN VICTOR DR SCOTTSDALE AZ 85258email: [email protected] P: (480) 391-7000 F: (480) 391-0200 GERBER - TEMPE/PRIEST DR.8045 S PRIEST DRIVE TEMPE AZ 85284email: [email protected] P: (480) 422-3870 F: (480) 705-3212 GERBER - TEMPE/UNIVERSITY DRIVE2100 W UNIVERSITY DR TEMPE AZ 85281email: [email protected] P: (480) 774-9999 F: (480) 774-9997 Service King 75th Ave16000 North 75th Ave PEORIA AZ 85382email: [email protected] P: (623) 486-4810 F: (623) 486-3334 SERVICE KING GILBERT1572 W. Harvard Avenue GILBERT AZ 85233email: [email protected] P: (480) 507-8778 F: (480) 507-8194

• Weather

• What is the weather like in Phoenix? The information in the table below is brought to you by U.S. Climate Data.

• PHOENIX, ARIZONA WEATHERDETAILS Annual High Temperature86.7 F Annual Low Temperature63.4 F Average Temperature75.05 F Average Annual Precipitation (Rainfall)8.04 inches

• Speaking of weather, the frequency of national disasters can affect your car insurance rate.

• The city of Phoenix has experienced 15 total natural disasters, which is slightly higher than the nationwide average of 13.

• A total of 11 of natural disasters in Phoenix were declared by the president as major disasters, while one was declared to be an emergency.

• The causes of these natural disasters are as follow:

• Keep in mind that some natural disasters may fall into more than one category noted above.

• What kind of car insurance do you need to protect your vehicle in the case of a natural disaster? Watch the video below to learn more about comprehensive coverage.

• Comprehensive coverage will take care of you if your car is damaged in the event of a natural disaster.

• This type of coverage could cost you hundreds of dollars more per year but could save you thousands of dollars in the long run.

• Public Transit

• We know that not everyone in Phoenix owns a car, but what type of public transit is available in Phoenix?

• Valley Metro is the regional public transportation agency providing coordinated transit services to residents of metro Phoenix.

• From the regional bus, light rail, and paratransit service to alternative commuter solutions, Valley Metro’s core mission is to develop and operate a network of transit services.

• Here is a list of Valley Metro services:

• If you’re wondering what fares cost for the Valley Metro Transit System, please click here.

• Fares may be purchased onboard the bus, but the exact amount is required. You can purchase bus tickets at your local Safeway, Circle K, Sinclair gas station, and more.

• For more information about the Phoenix transit system, please visit ValleyMetro.org.

• Alternate Transportation

• The city of Phoenix is allowing an electric scooter pilot program to start in March 2020.

• The city is allowing up to 300 scooters for each of the three scooter companies participating in the pilot program.

• How do I get a scooter to start?

• First, you’ll need to download an app. Each company has its own. Each app has a map that tells you where the scooters are located. Enter your credit card information and follow the instructions.

• Parking in Metro Areas

• Approximately 42 public and private parking structures​ are available throughout the Downtown vicinity of Phoenix, totaling more than 25,000 parking spaces at various times throughout the day and night. The main parking structures are located between Seventh Street and Seventh Avenue, from Fillmore to Lincoln Streets.

• According to Phoenix.gov, Currently, the City of Phoenix Street Transportation Department operates approximately 2,000 parking meters in the Downtown, Uptown, Capitol, and Phoenix College areas.

• All meters and pay stations are enforced 8 a.m. to 10 p.m. daily, including weekends and holidays.

• Meters cost $1.50 per hour, and the coin-only meters cost $1 per hour.

• Most meters accept credit/debit cards and coins, and others only accept coins.

• To pay-by-phone for on-street parking meters and stations throughout the city, use the Parkmobile app.

• Do you have an electric car that needs to be charged every time you park?

• ChargeHub says the city of Phoenix has 382 public charging station ports (Level two and Level three) within 15km. Ninety-two percent of the ports are Level Two charging ports, and 16 percent of the ports offer free charges for your electric car.

• The two main charging networks in operation are Blink and ChargePoint. You can find out more about the charging networks (policies, pricing, and registration information) by visiting the networks section.

• Air Quality in Phoenix

• When cars were first made, they would emit harmful toxins into the air. Today, this isn’t really quite as much of an issue as it was back then, but it’s still important to know how clean the air is in your city.

• The following table indicates the air quality in the city of Phoenix based on the Environmental Protection Agency’s reports from 2017, 2018, and 2019.

• PHOENIX AIR QUALITY INDEX201720182019 Days with AQI365365274 Good Days324256 Days Moderate23823885 Days Unhealthy for Sensitive Groups826622 Days Unhealthy1171 Days Very Unhealthy21210

• The data above shows that there have been more moderate days than good days and an average of eight “very unhealthy” days per year from 2017-2019.

• Military/Veterans

• Are you an active military member or a veteran?

• If so, you could be eligible for a military car insurance discount. But before we get into all of that, let’s go over some Phoenix military statistics.

• Veterans by Service Period

• Phoenix, AZ, has a large population of military personnel who served in Vietnam. Approximately 22,834  men and women living in Phoenix served in the Vietnam War.

• Phoenix is home to 13,713 veterans that served in the second Gulf War and 11,956 veterans having served in the first Gulf War.

• Military Bases within an Hour

• There are five military bases in the state of Arizona:

• Davis-Monthan AFB is located in Tucson, not far from Interstates 10 and 19. Luke AFB is in Litchfield Park, Arizona, a suburban community outside the city of Phoenix, the capital of Arizona.

• Military Discounts by Provider

• The following car insurance companies offer military discounts in Phoenix:

• USAA Available in State

• In addition, USAA also offers discounts for military garages to hold vehicles on base.

• USAA offers military car insurance for both military members and their families. See how USAA’s car insurance rates compare to other rates at other companies across the board.

• GroupAverage Allstate$6,172.19 American Family$4,946.51 Farmers$6,609.09 Geico$2,864.68 Nationwide$4,593.72 Progressive$4,433.95 State Farm$6,279.06 Travelers$3,870.57 USAA$3,440.60

• Unique Phoenix Laws

• Before we let you go, let’s take a look at unique Phoenix laws.

• Here’s the 411 on tiny home laws, hands-free laws, food truck laws, and more.

• Hands-Free Laws

• As of April 2019, Arizona became the 48th state to ban drivers from using handheld cellphones behind the wheel (see video above)

• The law states that in a moving car, the driver is not allowed to operate a cellphone, including to write, send, or read any text-based communication. Drivers also aren’t allowed to hold or support a mobile device with any part of their body.

• Food Trucks

• Maricopa.gov says the Mobile Food industry has grown leaps and bounds here in Maricopa County, and the Department recognizes the vast opportunity that this industry provides to the community.

• Mobile Food Type I, II, and III are approved to operate at Farmers Markets, Special Events, business locations, private functions, etc., in Maricopa County, provided they are operating within the allowances of the permit issued to them.

• To apply for a mobile food truck permit Phoenix, click here.

• Tiny Home

• Tiny housing, sometimes referred to as micro-housing, generally refers to a house or small living space that is typically more than 300 square feet but less than 500 square feet, according to the Urban Land Institute.

• For more information on tiny homes in Phoenix, please visit the Arizona Department of Revenue.

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• Phoenix Car Insurance FAQs

• Do you have any other questions about car insurance in Phoenix, Arizona?

• Take a look at some of these frequently asked questions listed below.

• What is the cost of living like in Phoenix?

• According to a study by Sperling’s Best Places, the cost of living in Phoenix is above the nationwide average. Compared to the rest of the country, Phoenix’s cost of living is 3.7 percent higher than the U.S. average.

• The median home cost in Phoenix is $239,400. Home appreciation in the last 10 years has been 8.1 percent.

• What car insurance is required in Phoenix?

• The required minimum amounts of liability car insurance coverage in Arizona are:

• This basic coverage pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians who are injured or have their vehicle damaged in a car accident you cause.

• What do I do if I get into an accident in Phoenix?

• Your liability coverage (listed above) will kick in if any family member is driving your vehicle, or if you’ve given someone else permission to use it. It will likely also cover you if you get into an accident in a rental car.

• Finally, remember that the liability coverage we discussed doesn’t apply to your own injuries or vehicle damage after an Arizona car accident. You’ll need different (additional) coverage for that if you’re involved in a car accident, and no one else’s coverage applies to your losses.

• What happens if I get caught driving without insurance?

• If you’re asked for proof of insurance during a traffic stop or after a car accident in Arizona, and a law enforcement officer learns that you don’t have insurance, you’ll almost certainly face suspension of your vehicle’s registration and/or your driver’s license.

• In order to get these privileges reinstated, you’ll need to pay fees and file proof of financial responsibility with the Arizona Motor Vehicle Department.

• Of course, these penalties will likely pale in comparison to the financial hit you could take if you’re in a car accident, and you don’t have car insurance.

• What languages do I need to know in Phoenix?

• Data USA says the most common foreign languages spoken in Phoenix, Arizona, are Spanish (467,652 speakers), Tagalog (including Filipino) (7,570 speakers), and Chinese (including Mandarin, Cantonese) (7,179 speakers).

• Now that we’ve covered all you need to know about car insurance in Phoenix, Arizona, it’s time to start shopping for your very own insurance policy. All you have to do is use our free tool by entering your zip code in the box below to begin.

• Happy shopping.

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