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Understanding Arizona Car Insurance

Arizona is a state that follows the ‘at fault’ policy in terms of insurance. When buying auto insurance, a lot of people are clueless about what to look for when purchasing one and are unaware of the limits. Knowing about the minimum requirements and how it can affect you can put you in a much better position if there’s a car accident. It will be able to tell you how you can recover from the damages—having an understanding of what your insurance can and can’t do to help you protect yourself.

Before we delve into the details of minimum liability coverage in Arizona, if you’re involved in an accident, and another person is at fault, you can file with your insurance provider, especially if the other party doesn’t have insurance. To claim compensation for the charges, you can also file a lawsuit for personal injury. This will help cover the damages to your vehicle or any medical expenses that have incurred due to the accident.

Arizona car insurance requirements

If you have a vehicle in Arizona, then you have to have insurance. It is illegal to drive without having one in place.

Your insurance should cover:

  • Bodily injury liability amounting to $15,000 per person and $30,000 per accident if there are multiple people involved in the crash.
  • You are also liable to have coverage for property damage amounting to $10,000.

Other types of coverage that you should ideally consider are:

  • Uninsured motorist bodily injury should cover $25,000 per individual and $50,000 per crash.
  • Underinsured motorist bodily injury coverage should also cover $25,000 per individual and $50,000 per crash 

Personal Injury Protection is not a requirement for Arizona drivers. If you don’t have one and are injured in a hit-and-run, then the medical bills are to be paid by you personally.
If you have just moved to the state of Arizona, it is smart to have your car registered as soon as possible and buy car insurance. Keep in mind that the rules in every state are different and minimum requirements vary.

Coverage Requirements
Bodily Injury Liability 25,000 / 50,000
Property Damage Liability 25,000

When trying to look for the best Arizona car insurance rates, it is important to consider that certain factors affect it, such as the location, your age, driving history, credit score, what coverage you have purchased, and much more.

Arizona happens to have an average premium rate of $1557. Arizona car insurance rates fluctuate from company to company, so you should have a look at all the offers that are on the table before opting for one that best fits your profile. Before 2011, the auto insurance premium of Arizona was higher than the national average. There are a number of discounts you can get when you’re buying car insurance in AZ.

When trying to get a good insurance policy, the provider may have a look at your credit score. This helps them determine whether you are eligible to obtain a certain policy or not. This is not the only factor that determines your eligibility. Your driving history and the number of tickets you’ve been issued is also a factor. If you’re a good driver and have a clean record, you may be able to receive a discount. Shop around and see which provider can provide you the best rates as per your profile.

Arizona allows individuals to carry digital insurance cards with them. Some providers may offer this option, while some may not. Having a digital card will make your life easy and save you the hassle of carrying important documents around. If you’re pulled over by the traffic police, just show them the proof on your device. It’s that easy! Insurance companies in Arizona provide discounts on account of being accident-free for a certain period of time, being a good student, owning a home, being part of a college, owning multiple cars, and having anti-theft devices in your vehicle.

It is very important to maintain your insurance in Arizona. If you fail to do so, then your driving privileges will be suspended. In order to reinstate them, not only will you have to provide proof that you’re covered, but you will also be liable to pay the penalty. As per the requirement set by Arizona laws, all drivers are financially liable for their vehicles in case of an accident or damage to the car. The liability policy covers the minimum requirements; however, we recommend that you buy extra coverage just to be on the safe side. Healthcare is not cheap, and in case you want to pay for any injuries, the bills can deplete your savings and leave you broke. Car repair itself is also expensive, so it is always a good idea to have a sturdy coverage in place.

If you are at fault or have cause injury to another party, they can sue you and take you to court. This will add to your costs and is something that is not covered by liability insurance.

Arizona offers a safety glass non-deductible option if the insurance policy you have obtained has a comprehensive deductible. This will eliminate the cost of a deductible when your safety glass has to be repaired or replaced. This rule is applicable on the windshield, windows and most glass materials of the vehicle.

Cheap Car Insurance for Arizona

To find out which car insurance companies offer cheap rates, have a look at both the factors that make you eligible for a discount and also the deductible that reduces your cost. If you are enrolled in programs that allow the insurance company to monitor your accident-free record, your insurance rates can be lowered. There are individuals who have installed features such as anti-theft lock brakes, car alarms, and lock brakes to qualify for discounts.
Basic coverage is cheaper. If you add collision and comprehensive insurance to the package, it will obviously rack up your cost. If your car is not new, then it is fine if your drop these two categories of coverage. We recommend that the mix of coverage you select within your insurance policy shouldn’t just have minimum liability coverage but also enough cushion to save you from any lawsuits that might be leveled against you in case of an accident. Better safe than sorry, right?

If you have not been granted car insurance even after applying multiple times, then you should opt for the Arizona Automobile Insurance plan. This plan is especially for drivers who don’t have a clean record. The coverage of expensive than packages being offered by other insurance companies because of the high-risk profile of the driver. If you purchase liability coverage in Arizona, you are protected in all other states in the US and even Canada. Mexico is not covered under the plan as it happens to have different rules and regulations. Get insurance as soon as you purchase the car; otherwise, you will have to pay a hefty penalty of $500 to $1000.

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