Car Insurance in Avondale, AZ
How much does car insurance
cost in Avondale, Arizona?
The average estimated cost of Lemonade car insurance in Avondale ranges from roughly $1,022 to $1,062 per year*, depending on factors like your age, driving history,
car type, and location.
Here is a look at rates in other cities in Arizona:
| City | Average monthly base premium* |
|---|---|
| Phoenix | $90 to $99 |
| Queen Creek | $70 to $79 |
| Maricopa | $60 to $69 |
| Chandler | $70 to $79 |
How can I get cheaper car insurance
in Avondale, Arizona?
Lemonade offers Arizona drivers loads of opportunities
to help lower your car insurance rates.
Low-mileage savings
Lemonade drivers determine how much they save each month based on how many miles they actually drive.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Avondale, Arizona?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Avondale, Arizona?
To meet Arizona car insurance coverage requirements, Avondale drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Avondale drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000(per person)/ $50,000 (per accident) |
| Property damage liability | $15,000 |
What additional car insurance coverages
are available in Avondale, Arizona?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MoreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash—like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreAvondale Arizona car insurance FAQs
How does Avondale’s access to outdoor areas affect insurance needs?
Proximity to parks and recreational spots necessitates comprehensive coverage to safeguard against potential theft or vehicle damages in remote parking areas. Adding roadside assistance is a smart choice for frequent trips to scenic or off-road destinations.
What car insurance coverage is best suited for Avondale’s hot climate?
Avondale’s intense heat and periodic dust storms make comprehensive coverage vital to protect your car from weather-related damage. Extended glass coverage is also recommended to address chips or cracks caused by debris during storms.
What happens if I don’t have the minimum car insurance coverage required in Avondale?
Driving without insurance in Avondale can result in fines between $500 and $1,000. Your driver’s license, registration, and license plates may be suspended, and you might need to file an SR-22 to prove future insurance compliance. Avoid these costly and inconvenient penalties by maintaining the required car insurance.
Is Arizona an at-fault state?
Yes, Arizona is an at-fault state, which means that in Avondale, if you’re responsible for an accident, you’re required to pay for the damages. This could be done through your car insurance or directly out of pocket.
How can I lower my car insurance premium in Avondale?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, and considering bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Avondale that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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Talking Telematics
Real-time driving behavior = the fairest insurance premiums imaginable
How Much Does Car Insurance Cost?
Car insurance costs vary based on factors like your age, driving history, location, and coverage needs. Here’s what to expect.