Fast non-standard auto & SR-22-friendly options for Arizona drivers.
Legacy Insurance Services, Inc. is a non-standard personal auto specialist headquartered in the Ahwatukee foothills of Phoenix. Through Blake Insurance Group, Arizona drivers can access Legacy’s flexible auto programs along with quotes from multiple carriers in one simple process. Whether you’ve had tickets, accidents, lapses in coverage, or you need an SR-22 filing, we help you compare Legacy with other companies and match you to the policy that fits your budget.
Legacy Insurance Services focuses on non-standard personal auto insurance. That means they are built for drivers who might not qualify for preferred or standard markets, including those with imperfect driving histories or unique vehicle situations. Legacy distributes its products through independent agents, and Blake Insurance Group is one of those local agencies serving drivers across Arizona.
As an independent agency, we are not locked into one company. We can show you Legacy alongside other non-standard and standard carriers, helping you decide when a Legacy policy makes sense and when another carrier is the better fit. Our goal is simple: get you legally on the road with the right coverage and a monthly payment you can live with.
Legacy may be a good fit if you need flexible underwriting and straightforward pricing. Typical situations where we consider Legacy for Arizona clients include:
Recent moving violations, at-fault accidents, or prior claims can make major-brand auto policies expensive. Legacy is designed to work in the non-standard space, which often means more competitive pricing for drivers with blemishes on their record.
If you need an SR-22 filing because of a DUI, reckless driving, or driving without insurance, we can often pair that filing with a Legacy policy. We’ll explain exactly what the state requires and coordinate the SR-22 so you can get your license reinstated as quickly as possible.
Gaps in coverage can trigger surcharges with some insurers. Legacy’s appetite for non-standard risks can sometimes handle lapses more flexibly than strictly preferred companies, especially when paired with safe-driving going forward.
Many Legacy programs emphasize essential liability and required coverages first, then allow you to build up from there. We’ll help you decide where to raise limits and where you can trim options to keep your payment manageable without cutting corners on legal requirements.
Exact coverages and options will depend on your state filings and program, but here is a high-level look at how a Legacy auto policy can be structured for Arizona drivers:
| Coverage type | What it protects | How we often use it with Legacy |
|---|---|---|
| Liability (BI/PD) | Pays for injuries to others (bodily injury) and damage to their property (property damage) when you are at fault in an accident. | We typically recommend limits above the Arizona minimums, especially if you drive regularly in metro areas like Phoenix or Tucson where injury and repair costs are higher. |
| Uninsured / Underinsured Motorist | Helps pay if you are hit by a driver who has no insurance or not enough to cover your injuries. | For many non-standard drivers, we view this as critical protection. It can mirror or come close to your liability limits where the budget allows. |
| Comprehensive (Other-than-collision) | Covers damage from theft, vandalism, hail, falling objects, animals, and other non-collision events, subject to your deductible. | Often included when a financed vehicle requires physical damage coverage. We adjust deductibles to balance protection with a realistic monthly payment. |
| Collision | Helps repair or replace your car if it is damaged in a crash with another vehicle or object, after your deductible. | Recommended for newer or financed vehicles. For older cars with lower values, we’ll walk through whether collision still makes financial sense. |
| Medical payments / PIP (where available) | Contributes to medical expenses for you and passengers after an accident, regardless of fault. | We use this to add a layer of protection for frequent commuters, rideshare drivers (where allowed), and families who want extra help with medical bills. |
| SR-22 filing support | The SR-22 itself is a proof-of-insurance filing with the state, verifying that you carry required minimum liability limits. | We coordinate the SR-22 paperwork with the carrier so the state receives timely proof of coverage and you can focus on staying insured and rebuilding your record. |
Non-standard auto insurance is priced differently than preferred policies. Legacy’s rates depend on your driving record, garaging address, vehicle, prior coverage, and whether an SR-22 is required. Our role is to gather your information once, then show you Legacy and other carriers side by side.
When we build a Legacy quote for Arizona drivers, we pay close attention to:
We’ll also check for ways to keep costs in check, like maintaining continuous coverage, choosing paperless or auto-pay where available, and keeping all household drivers and vehicles properly listed on the policy.
Whether you’re searching for Legacy Insurance agents near me in the Phoenix metro or anywhere else in Arizona, Blake Insurance Group can help you compare options remotely or with a local touch.
| Arizona city / metro | Typical driver situations | How we may use Legacy |
|---|---|---|
| Phoenix & Ahwatukee | High-traffic commutes, past tickets or accidents, SR-22 needs, multi-vehicle households. | Legacy as a primary non-standard option, compared alongside other carriers for price and flexibility. |
| Tucson & South-central Arizona | Daily commuters, students, and drivers rebuilding after a lapse or license suspension. | Use Legacy programs when traditional companies quote too high or decline coverage. |
| Mesa, Chandler, Gilbert, Tempe | Growing families, rideshare drivers (where eligible), and multi-car households. | Layer Legacy with other carriers to balance cost, coverage, and underwriting appetite. |
| Glendale, Peoria, Surprise | Commuters and local drivers with older vehicles and budget-driven coverage needs. | Structure policies around solid liability limits and practical physical damage choices. |
| Yuma, Casa Grande, Flagstaff & more | Mix of in-town, rural, and highway driving, sometimes with limited prior insurance. | Identify whether Legacy, a regional carrier, or a national brand is the most competitive fit. |
Even if Legacy is not ultimately the right home for your policy, having access to their programs gives us one more competitive option when we design an auto insurance plan around your real-world driving and budget.
Legacy focuses on non-standard auto insurance, which often includes drivers who need SR-22 filings. We’ll confirm whether a Legacy program is available for your situation, explain how the SR-22 works, and compare Legacy to other SR-22-friendly carriers before you decide.
No. Blake Insurance Group is an independent agency. We work with Legacy and many other companies. That independence means we can compare Legacy quotes with standard and non-standard carriers and recommend the one that fits your driving record, vehicle, and budget best.
Non-standard programs like Legacy are built for drivers whose records are less than perfect. The exact answer depends on your full history, but we regularly review Legacy when tickets, at-fault accidents, or prior cancellations cause problems with preferred insurers.
Legacy programs can typically be structured for minimum-limit liability only or for broader coverage with comprehensive and collision on qualifying vehicles. During your quote, we’ll walk through the trade-offs between minimum limits, higher liability, and full coverage so you can choose confidently.
If you place your policy with Legacy through Blake Insurance Group, you’ll receive ID cards and policy documents that show the correct claims phone number and process. In an accident, contact the Legacy claims line shown on your documents and then reach out to our office so we can help you understand next steps and advocate for you during the claim.
Blake Insurance Group LLC is an independent insurance agency. We represent multiple insurance companies, including non-standard auto markets such as Legacy Insurance Services, Inc., and place coverage based on client needs and carrier eligibility. Legacy Insurance Services, Inc. and any related trademarks are the property of their respective owners. Coverage availability, program details, underwriting rules, and discounts are subject to change at any time and may vary by state and individual risk characteristics.
Nothing on this page is a guarantee of coverage, rate, or acceptance. Quotes are based on the information you provide and the carrier’s filed rating plans. This material is for general informational purposes and is not intended as legal or tax advice. Licensed insurance producer (NPN 16944666).
