Arizona Auto Insurance

Auto insurance in Arizona

The law states all vehicle owners must have a valid insurance policy. However, such insurance will offer the best possible coverage should an accident happen. Whether the vehicle is used for professional or personal reasons, having insurance is a must. Vehicle owners who continue to operate vehicles without insurance are liable for fines, with a value of up to $1,000. It might even happen that the driver's license or the vehicle registration gets suspended, with a maximum period of six months. To discover more information on the topic of auto insurance in Arizona, be sure to keep on reading this article.

What type of car insurance do you legally need in Arizona?

According to state laws, all drivers operating motor vehicles within the state must present a valid insurance policy. Should the driver be stopped by a police officer, he or she is required to offer proof of insurance. Without car insurance, the law enforces the suspension of your driver's license or vehicle registration, as mentioned above. If you have car insurance from another state, this might not offer adequate coverage in Arizona, so you might need to change or update your policy.

For a vehicle to be operated in the state of Alabama, the respective auto insurance should meet or even exceed minimum coverage levels. These include: bodily injury liability coverage ($25,000 per person and $50,000 per accident), property damage liability coverage ($15,000), uninsured motorist bodily injury coverage ($25,000 per person and $50,000 per accident), underinsured motorist bodily injury coverage ($25,000 per person and $50,000 per accident). Naturally, it is advisable to opt for the full coverage insurance, which can include optional coverage, such as comprehensive insurance and collision insurance. It is always recommended to choose a superior coverage limit, as opposed to the one required by law. A higher limit ensures the best possible protection in case of the worst-case scenario.

The sums mentioned in the above paragraph refer to the maximum amount that an insurance provider might be able to pay, provided you were at fault for the accident in question. The law requires for a copy of the insurance policy to be carried while driving. It is illegal to drive without adequate insurance in Arizona, with consequences such as fines and suspension of your driving-related documents. Should one continue to drive without a current insurance policy, he or she is risking jail time.

Average cost of auto insurance in Arizona

How much does car insurance cost in AZ? The state minimum auto insurance policy in Arizona has a value of $555. Nonetheless, you can expect to pay around $1,482 for a full coverage insurance policy. In some cases, collision and comprehensive coverage are not included, requiring additional payment. It is for the best to discuss everything that is covered before committing to a particular insurance policy. Among the factors that influence the overall insurance rates, there are: type of vehicle, prior insurance policies, number of miles driven, location, driving record, age, gender, and marital status. Do not opt for the cheapest insurance available, but rather find one that ensures the best coverage.

The average cost of car insurance varies from one state to the other, with differences obvious between the minimum and full coverage. You might also want to consider the costs associated with additional coverage options, such as comprehensive and collision. In calculating the overall rates, several factors are considered, including: weather-related accidents, at-fault accidents, road conditions, proportion of uninsured drivers in the respective city, number of drivers in relation to the general population, etc.

Arizona is significantly more affordable than the national median, which is around $1,770. Among the states with the most expensive car insurance policies, there are: Pennsylvania, California, New York, Colorado, Nevada, Florida, Michigan, and Louisiana. As for the states with the most affordable car insurance policies, these include: Wisconsin, Maine, Washington, Nebraska, Tennessee, New Mexico, Oregon, and North Dakota. Maine has the best rates for auto insurance, with $876 for the full coverage and $227 for the minimum one. New York is the most expensive, with $2,996 for the full coverage and $1,339 for the minimum coverage.

Within the state of Arizona, there are also cost-related differences between the various cities. The most expensive annual premium is in Phoenix, while Tucson has lower rates to offer. Here are the overall costs in major cities: Tucson - $1,832; Chandler - $1,854; Mesa - $1,920; Scottsdale - $1,922; Phoenix - $2,210.

What are the main factors influencing the value of the auto insurance? Well, the age of the driver stands at the top of the list. Young drivers typically pay more for car insurance, as insurance companies do not see them as responsible. While a 50-year-old driver can expect an annual premium that is around $2,000, a 16-year-old driver should be prepared for his or her premium to be over $7,000. Gender differences exist as well, with men enjoying better rates than women. The same goes for married couples, in comparison to those who are divorced, widowed or single.

The credit history is a significant factor considered when calculating the value of a potential coverage policy. Should a driver have an exceptional credit history, he or she can benefit from more affordable insurance policies, in contrast to those who have a less impressive situation. The presence of prior driving offenses, including at-fault accidents, DUI/DWI, reckless driving, speeding, can increase the value of a car insurance policy. The type of coverage will also contribute to varying rates as well. It is worth mentioning that the state minimum policy can be enriched with comprehensive and collision coverage.

Did not find your city or county on the list? Please use our auto insurance companies search box at the top to locate all the best auto insurance quotes in Arizona. Find car insurance in Arizona by city, zip code or county name.

Finding the right auto insurance in Arizona

Do you need help when it comes to finding the right insurance policy? If the answer is yes, then you might want to consider our help. Backed by expert knowledge and experience accumulated in the field, we take pride in assisting vehicle owners discover the best policies. We consider both your needs and the available budget, and we are happy to discuss any other insurance-related details. Keep in mind that this service is absolutely free, and it can save precious time and energy, so you can focus on other urgent matters.