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We’ve compiled everything you need to know about Arizona car insurance minimums, laws, and much more for Arizona drivers. Get the inside scoop below.
State Requirements
In Arizona, it doesn’t matter if you’re driving. If a vehicle is on the road, it needs to be insured with two types of liability insurance. Here is how much coverage you need to have on your insurance policy:
- $15,000 bodily-injury liability for one person and $30,000 for two or more people
- $10,000 property-damage liability
Additional Coverage You Should Consider
Picture this: someone smashes into the back of your car, but can only pay for half of the damages. This happens all the time when drivers are hit by uninsured or underinsured drivers. That’s where additional coverage options come in to help protect you, including:
Comprehensive Coverage – Comprehensive coverage does everything that collision coverage does, plus pays for damage to your vehicle from other sources, like hitting an animal, vandalism, fire, or an object hitting your car.
Collision Coverage – Collision coverage protects the value of your vehicle by helping to pay for repair cost if your car is damaged from hitting another vehicle or object.
Medical and Funeral Services Coverage – Medical payments coverage can help cover medical expenses that you, passengers, or pedestrians incur as a result of an auto accident. If a fatality occurs due to a traffic accident, medical payments coverage may also help pay for funeral expenses.
Uninsured/Underinsured Motorist Coverage – Save yourself the headache of having to pay for damages even if you’re not at-fault with this type of coverage.
How Much You May Pay in Arizona
Insurance rates will differ from person to person and so will the amount of coverage you need. We analyzed insurance rates from 10 of the largest cities in the state–and found that, on average, the cheapest auto insurance in Arizona can be found here:
| Average Annual Rate | |
|---|---|
| MGA Insurance | $1,249.60 |
| The Hartford | $1,323.95 |
| Titan | $1,379.45 |
| Pekin | $1,723.05 |
| MetLife | $1,768.30 |
Auto insurance rates change yearly. Don’t overpay because you haven’t shopped around. If you don’t shop around, you could wind up overpaying. A good rule of thumb is to compare quotes from at least three different companies.
What to learn more about the cost of auto insurance in AZ? See our full list of the cheapest car insurance companies in Arizona, which breaks down costs by driver profile.
How Your Insurance Rates Are Calculated
You might feel like you’re on a date with your insurance company after all the questions they ask you. The reason insurance companies ask so many questions is because insurance rates are based on risk and insurance companies build risk profiles based on the questions they ask. The less risky an insurance company feels you are, the cheaper your premium typically is. Expect to be asked about your:
- Previous insurance coverage
- If your insurance policy has lapsed
- Age, gender and location
- Marital Status
- Make and model of vehicle
- Driving record
- Credit score
Insurance Violation Fines and Penalties
If you get pulled over in Arizona, expect to be asked for proof of insurance. Without proof, you may be subject to fines and having your vehicle registration and/or drivers license suspended. If we’re too late and you’re already in trouble, here are the things you’ll need to do:
Reinstatement Fees
- Pay $10 and an application fee of $10 to $25 to get your suspended license back
- Pay $20 and an application fee of $10 to $25 to get your revoked license back
Have more questions? The Arizona Department of Transportation handles all license reinstatements.
SR-22 Certification
You’ll need your insurance company to file this to get your license back if it’s suspended or revoked because you had minimum liability coverage or a DUI. It’s not just one time thing either. You’ll havr to file this document for three years.
Confused on the requirements of an SR-22, call an agent at [mapi-phone /] so they can walk you through it.
Did You Know?
Certain cars strike the fancy of thieves more than others. That means a higher risk to insurance companies and higher premiums for you. If you own one of the cars listed below, you may pay higher premiums in Arizona.
- Honda Accord
- Honda Civic
- Chevrolet Pick-Up (Full Size)
- Ford Pick-Up (Full Size)
- Dodge Pick-Up (Full Size)
- Nissan Sentra
- Nissan Altima
- Toyota Camry
- Nissan Standard Body Pick-Up
- Nissan Maxima
*According to www.nicb.org
Agents Ready to Help with Your Arizona Insurance Policy
With years of experience navigating Arizona insurance policies, insurance agents can suggest the best policy to meet your needs. Call [mapi-phone /] to get a free quote today.
Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?
Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!
Additional Resources for Arizona Drivers