Affordable coverage from 35+ carriers, same-day SR-22 filings,
and bilingual agents at our Phoenix locations.
✅ Last updated: May 6, 2026
A-MAX Insurance offers affordable auto insurance in Phoenix, Arizona through 35+ carriers, including non-standard carriers that work with drivers other companies decline.
Arizona minimum required: 25/50/15 liability coverage
Best for non-standard drivers: SR-22, suspended license, after-accident, after-DUI, lapsed coverage, high-risk
Same-day coverage: Available in most cases at any A-MAX office
SR-22 filings: Filed electronically with AZ MVD, often within an hour
Bilingual service: English and Spanish at every location
How to start: Online quote, call 1-800-921-AMAX, or walk into any A-MAX office
Insurance shopping in Phoenix can be a hassle, especially when you're juggling extreme summer heat, monsoon storms, and dust storms (haboobs) on top of a tight budget. Whether you're a Maricopa County commuter on I-10 or Loop 101, a snowbird splitting time between Phoenix and somewhere cooler, a driver heading south to Sonora to visit family, an SR-22 case, a teen driver, or a driver who got dropped after a lapse, A-MAX is built for you.
A-MAX has been an independent agency since 2002. We don't sell one company's policy; we compare 35+ carriers and 400+ plans to find the right fit. That breadth is why we can quote drivers other companies turn away, and why our quotes often beat what national companies offered online.
Phoenix drivers find our offices along I-17 and along the McDowell Rd corridor. Whether you commute on I-10, I-17, Loop 101, Loop 202, SR-51 (Piestewa Freeway), SR-143, or US-60, you're a short drive from a bilingual agent. Walk in or call ahead; either way, most quotes wrap in about 10 minutes.
A-MAX is an independent agency. We compare 35+ carriers and 400+ plans to find the right fit for your budget and your driving record.
Liability-only coverage. Arizona state minimum (25/50/15). The most affordable option, often best for older or paid-off vehicles. Learn more →
Full coverage. Liability + collision + comprehensive. Required if you're financing or leasing. Learn more →
SR-22 filings. Court-ordered, DUI, license reinstatement. We file electronically with AZ MVD, often within an hour of binding the policy. Learn more →
Insurance for unlicensed drivers. You can still get auto insurance in Arizona without a current license. Learn more →
Non-owner insurance. Coverage when you don't own a car but still drive someone else's. Learn more →
Need help picking? Walk into any A-MAX location near Phoenix or call 1-800-921-AMAX. There's no charge to compare quotes.
If a court or AZ MVD told you that you need an SR-22 to keep driving, we can file it the same day. Most filings go through within an hour of binding your policy.
You can still get auto insurance in Arizona without a current license. Many drivers do, and it's usually a step toward getting your license back.
A suspended license doesn't have to mean no coverage. We work with carriers that insure drivers in this exact situation, often the same day.
Coverage lapsed last week, last month, or last year? Walk in, give us 20 minutes, and you can leave with a policy bound today. No judgment, no lecture.
An at-fault accident on your record makes most companies hike your rate or drop you. We work with carriers that don't.
A DUI on your record changes your insurance options, but it doesn't end them. Most A-MAX carriers will work with drivers in this situation, and we can often file the SR-22 the same day.
Credit history affects insurance rates in Arizona where state law permits. We compare carriers that look beyond credit, so a rough patch doesn't have to mean an expensive policy.
If multiple companies have already declined or non-renewed you, A-MAX has carriers built for exactly this situation.
Adding a teen to your policy is one of the bigger rate increases most families face. We'll compare it across 35+ carriers to find the most affordable option.
First time getting your own auto insurance? An A-MAX agent will walk you through every choice. No insurance jargon.
Walk into any A-MAX location and most customers leave covered the same day. Bring your license, your VIN, and proof of any prior insurance if you have it.
Low down payment options and flexible monthly plans available across our locations. We'll find the carrier that fits what you can pay today.
Rates in Phoenix aren't fixed. They move with your record, your vehicle, your ZIP, and credit (state-permitting). Two drivers on the same block can pay very different premiums. Quoting takes about 10 minutes and gives you actual numbers across 35+ carriers. Local conditions matter too: monsoon dust storms (haboobs) and extreme summer heat can affect comprehensive premiums and claim history in the area. And the I-10 and Loop 101 commute, with snowbird traffic in winter adds annual mileage, which most carriers price into the rate.
ZIP-level theft and accident rates.
Annual mileage. Long Phoenix-area commutes push rates up.
Vehicle type. SUVs and trucks often carry higher comprehensive premiums.
At-fault accidents and tickets in the last 3-5 years.
Coverage gaps (a recent lapse adds risk to most carriers).
Credit history (Arizona allows credit-based insurance scoring).
The fastest way to know your real rate: call 1-800-921-AMAX or start a quote online. It takes about 10 minutes.
Arizona requires every driver to carry at least 25/50/15 in liability coverage:
$25,000 for injury or death of one person per accident
$50,000 for injury or death of two or more people per accident
$15,000 for property damage per accident
That's the legal minimum, but it doesn't cover damage to your car. If you owe money on your car, your lender almost always requires full coverage (which adds collision and comprehensive).
We can run both quotes side by side so you see the actual price difference for your situation. More on Arizona minimum coverage →
Our A-MAX offices serving Phoenix are below. Walk into any of them, no appointment needed.
A-MAX Central
3917 S. Central Ave, Phoenix, AZ 85040 · (602) 268-2548
A-MAX Dunlap
536 E. Dunlap Ave, Ste 10, Phoenix, AZ 85020 · (602) 943-4954
A-MAX McDowell
5146 W. McDowell Rd, Phoenix, AZ 85035 · (602) 272-2300
Looking for a store outside Phoenix? See our nearby city pages: Mesa, Tucson, Yuma.
Most Phoenix customers walk out with active coverage in under 30 minutes. To make it that fast, bring:
Don't have all of these? Come in anyway. Our agents will figure out what they can with what you bring.
Hablamos tu idioma. Todas nuestras oficinas tienen al menos un agente bilingüe.
The most affordable auto insurance in Phoenix is usually an Arizona-minimum liability policy from a non-standard carrier. A-MAX compares 35+ carriers, including non-standard, so you see the actual lowest available rate for your specific record and vehicle. The only way to know your real number is to get a quote.
Same day in most cases. Walk into any A-MAX location near Phoenix, bind a policy, and we file the SR-22 electronically with the Arizona MVD. Most filings go through within an hour. The state usually updates your record within a few business days.
In most cases, yes. Walk into an A-MAX office near Phoenix, bring your license or ID and your vehicle's VIN, and you'll usually leave with a bound policy that day. Same-day timing depends on the carrier and your record, but it's the standard outcome for most customers.
Yes. We work with non-standard carriers built for drivers other companies decline. An at-fault accident usually raises your rate, but it almost never disqualifies you from coverage with A-MAX.
Yes. Low down payment options and monthly plans are standard across most A-MAX carriers in Phoenix. Exact terms depend on the carrier and your record. The agent quoting you can compare options side-by-side before you bind.
It can. Extreme summer heat, monsoon storms, and dust storms (haboobs) factor into comprehensive premiums and claim history in this area, which carriers price in over time. The fastest way to see how it shapes your specific rate is to quote: 35+ carriers, about 10 minutes.
Most carriers price annual mileage into your rate. If your day involves the I-10 and Loop 101 commute, with snowbird traffic in winter, expect that to factor in. We'll show how each carrier handles it; some weight mileage heavily, others don't.
Arizona requires 25/50/15 liability coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident for property damage. That's the legal minimum to drive in Arizona.
Yes. Phoenix A-MAX locations write Mexican auto insurance for trips across the border into Sonora. Bring your current policy details to make the cross-border quote faster, or start online.
Sí. Cada oficina de A-MAX tiene al menos un agente bilingüe. Llama al 1-800-921-AMAX ahora y habla con alguien en español.
Online quote: Get my quote (about 10 minutes) . Call: 1-800-921-AMAX . Walk in to any A-MAX location. Most customers are in and out in under 30 minutes with active coverage.
Disclaimer. Specific carriers, products, and discounts available in Phoenix may differ from those listed on this page. Same-day coverage and SR-22 filing times depend on carrier underwriting and state processing; your A-MAX agent will give you actual timing during your quote. This page is for general information about car insurance options in Phoenix, Arizona, and is not insurance advice. For a binding quote, contact an A-MAX agent.