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Arizona Car Insurance & Minimum Coverage Amounts

Are you thinking about registering a vehicle in Arizona? Then you’re going to need to know about Arizona car insurance. Arizona, like most states, has laws regarding minimum insurance requirements. Here’s what you need to know before you purchase auto insurance in the Grand Canyon State.

Arizona Car Insurance Minimum Coverage

Minimum insurance requirements for drivers in Arizona are similar to the minimum requirements in other states. In order to legally drive a car, a vehicle must be covered by:

  • Bodily injury liability coverage of $25,000 per person and $50,000 per accident
  • Property damage liability coverage of $15,000.
  • Uninsured and underinsured bodily injury coverage of $25,000 per person and $50,000 per accident.

Bear in mind that these are just the minimum requirements. The coverage you choose will depend on whether you want comprehensive, collision, roadside assistance or other coverages. Of course, adding additional coverage to your policy will impact the rate you pay each month, quarter, or year.

What is the Average Cost of Car Insurance in Arizona?

Drivers can expect to pay right around the national average for Arizona car insurance. The average in the state is $565 for minimum coverage and about $1,674 for full coverage.

There are factors that will affect the premiums you pay, however. For instance, male teens usually pay higher rates than female teens. Divorced drivers have higher premiums. And your premiums will also be impacted by your vehicle, your coverage, driving history, gender, and even your credit.

Talk to your car insurance agent about discounts you may be eligible for. A safe driving history will often get you a cheaper rate. So may affiliations with groups like AAA or others.

Why is Car Insurance So Expensive in Arizona?

The primary reason Arizona car insurance is so expensive is because the state has a higher-than-average accident fatality rate. Fatalities in Arizona occur at about 1.4 deaths per 100 million miles driven. The national average is 1.1 per 100 million miles.

As with most other states, more severe weather is affecting the state of Arizona now. Unexpected insurance claims due to fire, hail, and other weather events are driving up the price of car insurance premiums in Arizona and around the nation.

Lapses in Arizona Car Insurance

If you forget to pay your auto insurance bill in Arizona, your insurance company is required to let the Motor Vehicle Division know within seven days. Fifteen days after that, your registration will automatically be suspended. You’ll have to pay reinstatement fees and other fines in order to drive your vehicle once more.

If you are stopped by law enforcement and can’t prove that you have auto insurance, you could face fines between $500 and $1,000. Your registration and your license can both be suspended and must be reinstated before you can drive any car again.

To avoid this hassle, be sure your insurance coverage is up to date and that the policy meets the required minimums. Failure to do so is inconvenient and expensive.

Best Auto Insurance in Arizona

Arizona drivers were polled and asked which insurance carrier provided the best rates and service. The five top-ranking insurance carriers in the state of Arizona are:

  • Allstate
  • American Family
  • State Farm
  • The Hartford

Of course, insurance isn’t a one-size-fits-all product. A car insurance provider that works for others may not be the best option for you. Shop around and compare different services, then pick the agency that is most suitable to your driving habits and budget.

Facts About Arizona Insurance

Curious to know more about driving in the state of Arizona? Here are some facts you may be interested to learn.

  • Arizona is one of only two states in the country that has not outlawed texting and cell phone use while driving. However, some cities and counties in the state have made it illegal.
  • Almost 24% of traffic accidents in the state are caused by distracted drivers. This includes pets, cell phone usage, eating, smoking, and other types of distractions.
  • Drivers who knowingly drive on flooded or flooding roads are responsible for costs associated with their rescue.
  • If approved by the jurisdiction or landowner, street racing is legal in the state of Arizona.

Conclusion: Auto Insurance in Arizona

Car insurance in Arizona costs just about the same as the national average. The coverage requirements aren’t unreasonable, so be sure you insure your car to avoid trouble with the law next time you head out to sightsee at the Grand Canyon.