Arizona is a popular vacation destination, which means roads can be busy with local and visiting traffic. This is especially of note if you are a resident, as more cars equates to an increased risk of being involved in accident. Maintaining the proper level of insurance is not only smart, it’s the law.
Arizona state law requires that you carry liability insurance. The minimum amounts of coverage are:
Insurance companies notify the Arizona Motor Vehicle Division of all new policies, policy cancellations, and non-renewals. If the MVD receives a cancellation or nonrenewal notice from your insurance company, it sends an inquiry to verify the status. You face suspension of your license and registration if you don’t have insurance. You then have to pay fees to reinstate these.
Here is a breakdown of the average costs for car insurance in Arizona by county:
|Costs by County:||Sedan:||SUV:||Coupe:||Truck:||Hybrid:|
Many insurance companies in Arizona offer discounts to drivers. These discounts apply to:
Information on your credit report can affect your rate. State law dictates how insurance companies use the information. Most companies use an insurance score, which is different from a financial score. Insurance companies must notify you if they take action because of the information in your credit report. The best way to save on auto insurance is to use a car insurance comparison site like insuranceQuotes to get the most affordable price on your auto insurance policy in Arizona.
If you move to Arizona, you are required to get an Arizona driver’s license and register your vehicle in the state. You must prove your age, identity, and that you can legally live in the United States to get a license. To register your vehicle in Arizona, your vehicle needs to pass an emissions test. You’ll also have to show proof of insurance.
Moving violations add points to your driving record based on the severity of the incident. The following chart shows what you can expect if you run afoul of the law.
Arizona reviews the driving records of all residents periodically. If you accumulate eight or more points within a 12-month period, you might have to attend Traffic Survival School or face a license suspension. That suspension remains in effect until you complete an application for reinstatement and pay the appropriate fines.
Premiums are a reflection of the country or statewide pool of losses for all insurers. Increases in costs to repair and replace vehicles and other property result in higher premiums.
You’ll want to compare price quotes from several different companies, as prices often vary greatly. Companies have different underwriting criteria and may specialize in low risk or high risk drivers. This ensures you get a good rate for the policy you want.
If you lease or finance your car, your lender may require collision and comprehensive auto coverage. This covers your vehicle for damages in the event of an accident. Even if you own your car outright, this coverage is a good way to protect yourself from potential financial disaster.
Yes. Arizona is among a majority of states that allow electronic proof of auto insurance at traffic stops. You simply have to have your insurance provider’s app downloaded onto your smartphone. You can also keep a PDF of your policy on your handheld device.
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free quotes on car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
Consumer resources, agent information, and more
Arizona’s Consumer Guide to Automobile Insurance
Online services pertaining to driver’s licenses, vehicle registration, personalized plates, and voter registration
Can you talk and drive in Arizona?
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.