Whether you live in Phoenix or Tucson or closer to the Four Corners in Monument Valley or the Sonoran Desert, chances are you could get more from your car insurance coverage.
Arizona drivers can save with pay-per-mile auto insurance and keep the same or better coverage.
How to save on auto insurance in Arizona
Pay-per-mile auto insurance, also known as “pay as you go” or “pay as you drive” auto insurance, is based on how far you drive. It can be fairer because it focuses on your actual driving, which gives you control over how much you want to pay for car insurance.
Savings can quickly add up. Drivers might be missing out on as much as $947 a year in savings, according to a recent survey of new customers who saved with Metromile.
|Miles driven per year||Per month||Per day||Savings*|
|10,000||833 miles||192 miles||$541|
|6,000||500 miles||115 miles||$741|
|2,500||208 miles||48 miles||$947|
You can find out whether Metromile and pay-per-mile auto insurance is right for you for free.
Arizona drivers can download the Metromile app and drive with us for about two weeks. Metromile observes your actual driving, including how many miles you drive, to show you your rate. In Arizona, eligible drivers can save up to 15% on their initial quote with their safe driving — it’s another way drivers can save with Metromile.
Additional discounts are available for Arizona drivers.
Metromile customers who insure multiple cars on the same policy or install safety equipment or features in their cars could earn a lower rate. Senior drivers can save on auto insurance in recognition of their safer and mature driving practices.
How are auto insurance rates determined in Arizona?
Insurance companies in Arizona consider many factors when setting rates. Some of the most common include coverage limits and deductibles, claims history, driving history, vehicle type, vehicle theft rates, and many others.
It is important to shop around for auto insurance regularly because rates can change over time.
Pay-per-mile auto insurance can be fairer because it helps drivers control their costs. Metromile customers’ bills update in almost real-time because they pay per mile.
Each month, Metromile charges a base rate and a per-mile rate, usually just a few cents for each mile driven. The low monthly base rate keeps your car covered, even when you might not be driving, almost like how a cell phone provider might charge you a small fee to keep your telephone number and line operating.
What auto insurance coverage do I need in Arizona?
Making sure you have the right amount of car insurance is important for every driver. This is why Metromile provides flexible coverage options, which can be customized for extra peace of mind.
Arizona state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 in property damage liability coverage.
Many Arizona drivers choose higher limits or add comprehensive and collision coverage for their lifestyle.
The bottom line
There are many ways to save on car insurance, and many Arizona drivers choose Metromile.
Many drivers are low-mileage drivers, and we’re proud to support our community of drivers with familiar coverage and provide some value as a leading pay-per-mile auto insurance company in the U.S.