Arizona Car Insurance


You’re about to start your life anew in Arizona, but the perils of driving around a city where extreme heat and dust storms occur regularly worries you. One way to protect yourself from potential personal injury claims is by getting your car insured in Arizona. Or, secure a certificate of deposit of $40,000 to the Office of the Arizona State Treasurer as to provide proof of financial capability. Read on to learn more about how car insurance policies work in Arizona.

Arizona Car Insurance Requirements

Below are the minimum coverage limits in Arizona;

Bodily Injury Liability – $15,000 per person or $30,000 per incident

Uninsured Motorist Bodily Injury – $15,000 per person or $30,000 per incident

Underinsured Motorist Bodily Injury – $15,000 per person or $30,000 per incident

Property Damage Liability – $10,000

Rules and Regulations

Arizona requires all motorists to have proof of car insurance in place before they use their vehicle(s). You might qualify you for an in-state car insurance coverage application if you are:

  • Registered to vote in Arizona
  • Working in Arizona
  • Staying in Arizona for a minimum of seven months
  • Operating a business that delivers materials or transports people within the state’s premises
  • Holding a business based and registered in Arizona with automobiles
  • Being an “at-fault” state, Arizona drivers have several options if they chose to file claims for compensation, such as:
  • Filing a claim with your insurer
  • Pressing charges against the driver at-fault to seek payment for the damages incurred
  • Filing a claim with the driver’s insurance provider
  • Types of Optional Car Insurance Coverage
  • Read below to see some of the optional coverages that can save you from potential financial troubles after an accident:
  • Collision
  • Car rental coverage
  • Comprehensive
  • Uninsured/underinsured bodily injury coverage
  • Medical and funeral services
  • Towing and labor
  • Custom-made equipment and car parts (i.e. windshield)

Factors affecting Arizona Car Insurance Rates

Knowing how to compare the auto insurance policy rates available through insurers can get you in a better buying position. Here’s a guide to learning more about the factors that can affect your insurance premiums in Arizona:

Gender – More males are involved in car accidents than females in Arizona.

Years of Driving Experience – Drivers who have it longest might get lower premiums.

Clean driving record – Just avoid committing any road violations in Arizona and might be rewarded with more affordable premiums.

Marital Status – Single policyholders tend to be reckless drivers, which could result in higher insurance rates.

Car mileage and usage – Drive less than 15,000 miles yearly to obtain discounts. If you also use your car less, you’re less likely to be exposed to high-risk situations.

Territory – Do you primarily park your car in an area known for regular claims occurrences?

Model/Make of your Car – Before you buy a vehicle, make sure that it doesn’t belong to a class with high claim rates.

Available discounts before the auto insurance coverage rate – Avail Available as many discounts as possible to save some money.

Arizona Car Insurance Discounts

Get the right auto insurance policy by knowing how much you should pay for coverage. Plenty of policy holders are not aware of these discounts because they simply don’t know the right questions to ask to begin with.

Here are the available car insurance discounts in Arizona:

  • If you own multiple automobiles.
  • If you are a dormer at your university/college who prefer to leave your car at home.
  • If you are a good student with a 3.0 GPA or higher.
  • If you are a safe driver.
  • If your credit score is above 700.
  • If you have combined your auto and house insurance policies.
  • If you are willing to pay your premiums in full and in cash.

Arizona Car Insurance Quick Facts

Proof of Financial ResponsibilityThe easiest way to do this is by showing your proof of in-state auto insurance coverage. But if you do not have one yet, you can file a certificate of deposit of $40,000 to the Office of the Arizona State Treasurer. Failure to comply may result in paying a $250 fine and 3-month suspension of your car registration/license. If ever you get pulled over by an officer in Arizona, presenting any of the following proof will do:

A hard copy of your insurance policy

A digital insurance ID; or,

Insurance card issued by your insurer

Most Stolen Cars in 2013Because a certain car make/model can increase your insurance rates in Arizona;

Honda Accord

Honda Civic

Full Size Chevrolet Pickup

Full Size Ford Pickup

Full Size Dodge pickup

Nissan Altima

Nissan Sentra

Toyota Camry

Jeep Cherokee

Nisan Maxima

Uninsured Motorists in Arizona – The Insurance Research Council had released a report in 2012 showing that 10.6 percent of drivers in the state were uninsured. The result of this report is relative to the “ratio of uninsured motorists’ claims to bodily injury claim frequencies”. Here’s the catch – in that same year, 10.6 percent was below the national uninsured motorist record of 12.6 percent and the trend continues to decline, so this might yield to a lower premium because there are fewer claims in Arizona than in most states.