Auto insurance · Chandler, AZ

Car insurance for Arizona roads, explained plainly.

Tell us your ZIP code and who to call. KGB Insurance quotes your car insurance and goes over each coverage with you, in English or Spanish.

Get my auto quote Call (480) 545-8877

• 4.8 from 86 Google reviews
• Hablamos español
• Mon–Fri 8–6 · Sat 8–noon

★★★★★Google review

“Excellent service; they always answer calls and provide courteous, friendly service. Highly recommended.”

Gonzalo Moreno

Your auto quote

A quote built around your cars and your drivers.

Tell us what you drive and who drives it. We read your current declarations page with you, point out any gaps, and quote matching coverage so you can see exactly what you’d have.

What to have ready

Have these on hand when you call or fill in the form, so we can quote the coverage you carry now.

1. 01

   Your current declarations page

   The page from your insurance company that lists your coverages, limits and deductibles. A photo works too: email it to us.

2. 02

   The VIN for each vehicle

   You’ll find it on your registration, your insurance ID card and the driver’s side of the dashboard.

3. 03

   Every driver in your house

   Names, birth dates and driver’s license numbers for anyone who drives your cars.

“My agent was knowledgeable, patient, and truly cared about finding the right policy for me.”

Kneo Knight, Google review

• 4.8★86 Google reviews
• 3,000+Arizona customers
• Hablamos españolEnglish or Spanish
• Call or email usMon–Fri 8–6 · Sat 8–noon

Arizona driving

Six Arizona driving risks to check on your policy.

For each one, here’s the part of an auto policy that may respond and what we check with you.

• Monsoon hail and flooded streets

  Comprehensive, not collision, is the part that may help with hail, flood water or storm debris, depending on your policy’s terms, limits and exclusions. We’ll check that you carry it.

• Rock chips on the freeway

  Gravel on the 101 and the I-10 chips windshields. Arizona law (A.R.S. § 20-264) requires insurers to offer, as an option on policies with comprehensive, glass coverage with no deductible. Ask us if yours has it.

• Triple-digit summers

  Heat drains batteries and wears out tires. Roadside assistance is the optional add-on for a jump-start, a flat-tire change or a tow.

• Long commutes

  Commute from Chandler to Phoenix? Rental reimbursement helps pay for a rental car while yours is repaired after a covered claim, up to your daily limit.

• Drivers with little or no insurance

  If the at-fault driver has no insurance, or too little, uninsured and underinsured motorist coverage helps pay for injuries to you and your passengers, up to your limits.

• A new driver or a new car

  A teen getting a license, a new car or a move across town? Each one changes what you need. Start a quote and we’ll go over what changes with you.

Monsoon season

Caught in a dust storm? Pull aside, stay alive.

That’s the advice of the Arizona Department of Transportation (ADOT): pull as far off the road as you safely can, turn off all your lights, set the parking brake and take your foot off the brake.

Before storm season, we’ll check whether your policy carries comprehensive and what your deductible is, so you know where you stand before the next storm.

Get my auto quote Call (480) 545-8877

Coverage, explained

What does auto insurance cover in Arizona?

Auto insurance helps pay for harm you cause to others, repairs to your own car and your own injuries, depending on the parts you choose. What each part pays depends on your policy’s terms, limits and exclusions.

• Required in Arizona

  Liability

  Helps pay for injuries and damage you cause to other people and their property, up to your limits.

  Good to knowThe state minimum is the lowest limit the law allows. Ask us what it would and wouldn’t pay for.

• Optional

  Collision

  Helps pay to repair or replace your own car after a crash, whether you hit another car, a wall or a pole.

  Good to knowA lender or leasing company may require it on a financed or leased car.

• Optional

  Comprehensive

  Helps pay for damage that isn’t from a crash, such as hail, flood water, theft, vandalism, fire or broken glass.

  Good to knowAsk about adding full glass coverage for your windshield.

• Optional

  Uninsured and underinsured motorist

  Helps pay for your injuries when the driver at fault has no insurance, or not enough of it.

  Good to knowIt can apply to your passengers too. Ask us what you give up if you decline it.

• Optional

  Rental reimbursement

  Helps pay for a rental car while yours is in the shop after a covered claim.

  Good to knowChoose a daily limit close to what a rental car costs near you.

• Optional

  Roadside assistance

  Helps with a tow, a jump-start or a flat-tire change.

  Good to knowAsk which services your plan includes before a long summer drive.

Plain-English summary. Your policy documents have the exact terms, limits and exclusions.

Start my quote Call (480) 545-8877

How it works

Your auto quote in three steps.

Call, email or start online. The same team handles your quote whichever you choose.

1. 1

   Send the basics

   Use the quote form above, or call us with what you drive and your ZIP code.

2. 2

   Go over it together

   We walk you through each coverage and limit on your quote, line by line.

3. 3

   Choose and start coverage

   You pick the coverage and a start date. We set up the policy and get your ID cards to you.

Renewing soon?

Start your quote before your renewal date, so there’s time to go over it.

Get my auto quote Call (480) 545-8877

Google reviews

Arizona drivers, in their own words.

4.8 ★★★★★

4.8 / 5 average · 86 reviews

78 of them are five stars

Read more reviews ★★★★★Google review

People here are great… The folks here fought & got this resolved. Thanks

MMMike Mckinnon ★★★★★Google review

Kittelson-Gonzalez and team did a great job. I’m very happy with the results. … They worked around my work schedule to keep me up to date on status of request while quote was in process. Excellent team work and customer service!

MSM S ★★★★★Google review

A minor issue came up on my home policy review, Barb got on it, reminded me (a couple of times) and got it successfully resolved. The definition of customer service.

DGDavid Girle ★★★★★Google review

Excellent customer service!! Very happy with the outcome of the bundle insurance we purchased.

NVNely Valero ★★★★★Google review

Ronald is a great agent, is always answering questions when needed and fast responder!

FRFernando Rico

Auto + Home

Keep the car and the home with one agent.

Bundling auto and home can qualify you for a multi-policy discount, subject to terms, eligibility and availability. We’ll quote both ways, bundled and not, side by side, and one office answers questions on either policy.

• One review of both policies
• One office for changes to either policy
• One office number: (480) 545-8877

See how bundling works Email us about bundling

Questions

Auto insurance questions, answered.

For anything else, call (480) 545-8877 or email us.

What do I need for an auto quote?

Your ZIP code, the VIN for each car, the name, birth date and driver’s license number of each driver, and your current declarations page if you have one. That page lists what you carry today, so we can quote the same coverage or show you where we’d change it.

Does Arizona require car insurance?

Yes. Arizona law (A.R.S. § 28-4135) requires coverage for any vehicle driven on Arizona roads, and a liability policy is one way to meet it. The same law says proof of coverage stays in the car, and a phone display counts. The lowest liability limits the law allows are set in A.R.S. § 28-4009. Ask us what those limits would and wouldn’t pay for.

How does windshield glass coverage work on an Arizona auto policy?

Under Arizona law (A.R.S. § 20-264), an insurer whose auto policy includes comprehensive must offer, at your option, coverage that repairs or replaces damaged windshield, door and window glass without a deductible. How a given crack is handled depends on your policy’s terms, limits and exclusions, so ask us how it works on yours.

What if the driver who hits me has no insurance?

Uninsured motorist coverage is designed for that: it helps pay for your injuries when the at-fault driver has no insurance, up to your limits. Underinsured motorist coverage helps when their limits are too low. Both are optional; ask us to include both in your quote so you can decide.

Can I add a new car or a teen driver?

Yes. A new car or a teen driver is a good time to look at the whole policy. Start a quote or call (480) 545-8877 with the VIN or the new driver’s details, and we’ll go over what changes with you.

Will you quote the same coverage I carry on my car now?

Yes. Send us your current declarations page, or have it handy when we call. We quote the same limits and deductibles first, so you can compare like for like, then show you anything we’d change and why.

Read the guide: Arizona minimum auto insurance is 25/50/15 liability only

Related coverage

Other policies our office quotes alongside auto.

• Auto + HomeOne agent for both
• HomeMonsoon, tile roofs, pools
• UmbrellaLiability above your auto
• Not sure what you need?Call (480) 545-8877 with what you own or drive, and we’ll tell you which policy fits.

Open Mon–Fri 8–6 · Sat 8–noon

Ready for a second look at your car insurance?

Call or email us with your declarations page. We’ll tell you plainly what you have and what we’d change.

Get my auto quote Call (480) 545-8877