Hear from Our Customers
Arizona auto insurance rates jumped 22% in 2024. If you’re still with the same carrier you had three years ago, you’re likely paying hundreds more than you need to.
Here’s what changes when you work with an independent agent. You get quotes from multiple auto insurance companies in one call—Progressive insurance, GEICO car insurance, USAA insurance, Direct Auto, AAA insurance, and 35+ others. No jumping between websites. No repeating your information six times.
The rate difference between carriers for the same driver can hit $800 annually. That’s not a small gap. When you only check one company, you’re gambling that they happen to be the cheapest for your specific profile. When you check 40, you know.
You also get someone local who picks up the phone when your situation changes. Need to add a teen driver? Bought a new vehicle? Filed a claim and worried about what happens next? You’re not navigating an automated system or waiting three days for an email response.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been helping drivers across Fountain Hills and the entire state compare coverage options since we opened, earning 930+ five-star Google reviews and recognition as Agents of the Year in 2023.
Independent means we represent over 40 auto insurance companies, not just one. We’re not captive to a single carrier’s rates or underwriting rules. When GEICO raises your rate or Progressive decides they don’t want to renew your policy, we have 38 other options ready.
Fountain Hills has a median household income over $104,000 and median home values pushing $650,000. You’ve built something here. The last thing you need is bare-minimum coverage from whoever had the catchiest commercial. You need someone who understands what adequate protection actually looks like for your assets and can show you what it costs across multiple carriers.
First, you talk to a local agent—actual conversation, not a chatbot. We ask about your current coverage, your vehicles, your driving record, and what you’re paying now. Takes about ten minutes.
Second, we shop your profile across our network of carriers. That includes the names you know—Progressive insurance company, GEICO, USAA car insurance, Direct Auto insurance company, AAA—and plenty you might not have heard of but that often beat the big brands on price. We’re looking at coverage levels, deductibles, discounts, and total annual cost.
Third, we show you what we found. Not just the cheapest option, but the best value for your situation. Sometimes that’s a direct auto insurance company with rock-bottom rates. Sometimes it’s a regional carrier with better claims service. Sometimes it’s USAA insurance if you’re military-affiliated. We explain the differences and let you decide.
Once you pick a policy, we handle the paperwork and can even cancel your old coverage for you. When life changes—new car, new driver, new address—you call us. We adjust your policy or reshop it if that makes sense.
Ready to get started?
Arizona law requires $25,000 per person and $50,000 per accident for bodily injury liability, plus $15,000 for property damage. Those numbers were set decades ago. They don’t reflect current medical costs or vehicle values.
An emergency room visit in Arizona averages $1,389. A trauma case in the Phoenix-Scottsdale area runs $35,000 to $40,000. A moderate collision repair exceeds $10,000. If you cause an accident and your liability limits are too low, the injured party can come after your personal assets—your home, your savings, your future income.
That’s why most drivers in Fountain Hills carry higher limits, often $100,000/$300,000 or more. You also want uninsured motorist coverage because roughly 13% of Arizona drivers have no insurance at all. Comprehensive and collision cover your own vehicle. Rental reimbursement and roadside assistance add convenience.
When we compare auto insurance companies for you, we’re not just finding cheap car insurance. We’re making sure the cheap policy isn’t leaving you exposed. A low premium doesn’t help if it bankrupts you after an accident. We show you what full protection costs across multiple carriers so you can make an informed choice, not a blind one.
Arizona auto insurance premiums increased 22% in 2024, jumping from an average of $2,026 to $2,195 annually. Several factors are driving this. Arizona’s population hit 7.5 million, with Maricopa County alone adding nearly 60,000 residents each year. More drivers mean more traffic, more congestion, and statistically more accidents.
Vehicle repair costs have also skyrocketed. Modern cars have sensors, cameras, and computer systems that make even minor fender-benders expensive to fix. Parts and labor shortages post-pandemic pushed costs even higher. Medical expenses continue climbing as well, and since auto insurance covers injury claims, those increases get passed to policyholders.
Insurance companies also adjust rates based on their claims experience in each state. If they’re paying out more in Arizona than they’re collecting in premiums, they raise rates to stay solvent. This is happening industry-wide, which is exactly why shopping multiple auto insurance companies matters more now than ever. The rate increases aren’t uniform—some carriers went up 15%, others 30%. Comparing options can save you hundreds.
A captive agent works for one insurance company. If you talk to a State Farm agent, they sell State Farm policies. A Progressive insurance agent sells Progressive. They can’t quote you GEICO car insurance or USAA insurance or AAA insurance because they’re employed by a single carrier.
An independent agent represents multiple auto insurance companies. We work for you, not the insurance company. If one carrier raises your rate or denies your claim, we can move you to another without you having to start over with a new agent. You get access to 40+ carriers through one relationship.
The cost is the same either way. Insurance premiums are filed with the state, so you pay the same rate whether you buy direct, through a captive agent, or through an independent like us. The difference is choice and ongoing advocacy. Captive agents have one option to offer. We have dozens. When your needs change or your carrier disappoints you, we have alternatives ready. That flexibility matters more the longer you stay with us.
The average full-coverage auto insurance premium in Arizona is around $2,195 annually as of late 2024, but that number doesn’t tell you much. Your actual cost depends on your age, driving record, vehicle type, coverage levels, credit score, and which carrier you choose.
A 35-year-old with a clean record driving a Honda Accord might pay $1,400 with one company and $2,100 with another for identical coverage. A 60-year-old with a speeding ticket might find USAA car insurance significantly cheaper than Progressive insurance company, or vice versa. There’s no universal “best” carrier because each company weighs risk factors differently.
Fountain Hills drivers often carry higher coverage limits than the state minimum because of the area’s affluence and asset protection needs. Increasing your liability from $25,000/$50,000 to $100,000/$300,000 might only add $150 to your annual premium, but it could save your financial future after a serious accident. When we compare quotes for you, we show the cost difference between minimum coverage and adequate coverage across multiple carriers so you can see exactly what protection costs.
Yes. You can switch auto insurance companies anytime, even if you just paid your six-month or annual premium. Most carriers will refund the unused portion of your premium when you cancel, minus any short-rate penalty if applicable. Some companies charge a small cancellation fee, but it’s usually $25 to $50—far less than you’d lose by staying with an overpriced policy.
The best time to switch is actually right before your renewal, but if you just discovered you’re overpaying, waiting six months to fix it doesn’t make sense. Run the numbers. If switching to cheaper car insurance saves you $600 annually and you’re four months into your policy, you’re still saving $400 by switching now instead of waiting.
We handle the cancellation process for you. Once you’ve selected a new policy and it’s active, we contact your old carrier and request cancellation effective the same day your new coverage starts. There’s no gap, no lapse, and no hassle on your end. You don’t need to stay with expensive insurance just because you recently renewed. The whole point of having options is being able to use them when they benefit you.
About 13% of Arizona drivers have no insurance, which means roughly one in eight vehicles on the road can’t pay for the damage they cause. If an uninsured driver hits you, your options are limited. You can sue them personally, but most people driving without insurance don’t have assets to collect against.
This is why uninsured motorist coverage exists. It’s optional in Arizona, but skipping it is a gamble. Uninsured motorist bodily injury coverage pays your medical bills, lost wages, and pain and suffering when an uninsured driver injures you. Uninsured motorist property damage covers your vehicle repairs if the at-fault driver has no insurance.
The cost is relatively low—often $100 to $200 annually for solid limits—because you’re not paying for the other driver’s mistakes, you’re protecting yourself from them. When we compare auto insurance companies for Fountain Hills drivers, we always include uninsured motorist coverage in the quotes unless you specifically decline it. Given how many uninsured drivers are out there, it’s one of the smartest coverages you can buy. It’s not about if you’ll encounter an uninsured driver, it’s about when.
Arizona’s minimum liability limits are $25,000 per person, $50,000 per accident for injuries, and $15,000 for property damage. Those numbers might have been adequate in 1990, but they’re dangerously low today. A single night in a hospital can exceed $25,000. A new pickup truck costs $50,000. If you cause a serious accident with minimum coverage, you’re personally liable for everything above those limits.
Let’s say you cause an accident that injures two people. One has $40,000 in medical bills, the other has $60,000. Your policy pays $25,000 to the first person and $25,000 to the second (maxing out your $50,000 per-accident limit). You’re now personally responsible for $50,000 in unpaid medical bills. The injured parties can sue you, garnish your wages, put a lien on your home, and seize your assets.
Higher liability limits cost less than you think. Increasing from $25,000/$50,000 to $100,000/$300,000 often adds just $10 to $15 monthly. For Fountain Hills residents with median home values over $650,000, carrying minimum insurance is like putting a $100 lock on a $650,000 house. When we show you quotes from multiple auto insurance companies, we include several coverage levels so you can see exactly what adequate protection costs. Then you decide what makes sense for your situation.
Local Resources
Useful Links
Other Services we provide in Fountain Hills
