Car insurance in Arizona is not exactly cut and dry. BuyCarInsurance.com is here to make purchasing car insurance in Arizona as easy as can be. We have compiled this guide that lists everything you need to know so that you can easily get the car insurance plan that fits your personal needs - at the lowest rate.
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You have two different approaches to fulfilling the state minimum car insurance requirements in Arizona. Because Arizona requires drives to show financial responsibility in an accident you can show this by proof of liability insurance or a certificate of deposit. It is more common to see Arizonians choosing the certificate of liability option. Here are the minimums listed in both forms:
|Bodily Injury Liability Coverage||$15,000 per person and $30,000 per accident.|
|Property Damage Liability Coverage||$10,000 per accident.|
|Certificate of Deposit||$40,000 signed to the Office of the Arizona State Treasurer.|
Do I Need More Than the Minimum Coverage?
Simply put yes, you should have more car insurance than the minimum coverage to protect yourself. In Arizona, the minimum required insurance to operate a vehicle is not enough coverage to pay for your bodily injury or property damage. These expenses will be out-of-pocket expenses if you are at fault. That is too much money to spend, especially if you have the option to add car insurance coverage to protect your assets.
Additional Coverages Available in Arizona
Sometimes the minimum car insurance is not enough for peace of mind and you need a little more coverage to help you sleep better at night. There are many additional coverages to choose from and it can be overwhelming if you do not know what they entail. Here is a list of additional coverages:
Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for.
Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen.
Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident.
Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances.
Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars.
Teen Drivers in Arizona
In Arizona, your teen will start their driving adventures at 15 1/2 years old. This means they need to be added to your car insurance policy or they need to get their own policy. It is typically cheaper to add a teen to your existing policy than it is for them to get their own insurance policy. Either way, the premiums will be higher than older more experienced drivers. When a teen gets their learners permit and beyond they are held to the same Arizona state minimum car insurance requirements that any adult is.
Do You Live in a House with Multiple Drivers?
When speaking with your car insurance agent about drivers in your household you need to list all legal age drivers. It is so important to do this because it will prevent you from any issues in the future. Typically premiums are set based on the driver with the highest risk.
If you want to exclude a driver in your home, you can do that. They will not be covered when driving your car. If the excluded driver causes any damages while driving your car you are responsible for any costs. So it is smart to never let an excluded driver use your vehicle.
Penalties for Driving Without Car Insurance
It is always the best idea to comply with your state minimum car insurance requirements. If you are caught not in compliance there are penalties issued. In Arizona, you could be without driving privileges for a minimum of three months. Here are the penalties for Arizona:
First Offense: You pay a minimum $500 fine. Your driver’s license and registration will be suspended for three months and be assessed any reinstatement fees.
Second Offense (within three years): You will pay a minimum $750 fine. Your license and registration will be suspended for six months.
Third and Subsequent Offense (within three years): You will pay a minimum $1,000 fine. Your driver’s license and registration will be suspended for one year.
If your driver's license or registration is suspended or revoked in Arizona your insurance company will have to file an SR-22 policy with ADOT Motor Vehicle Division. This is an expensive form.
Car Insurance Discounts in Arizona
Saving money is great! There are so many car insurance discounts out there, it is worth investigating to see which discounts you qualify for. Almost every car insurance company offers a discount of some type. Check with your agent for a list of discounts so you know what your options are. Here is a list of common discounts most companies have:
Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.
Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations.
Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance.
Get a Quote Now for Arizona Car Insurance
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