Arizona Auto Insurance

Motorists can find cheap auto insurance in the Copper state as the average premiums are lower than the national averages for both basic liability only and full coverage policies, although life is slightly more expensive in this state. Nonetheless, 4.8 million drivers still need to shop around to find the best prices. Otherwise, they may still end up paying expensive premiums in a place known for its lower rates. The ratio of drivers without insurance is at 11.8% and below the country average.

Arizona Laws and Requirements

Arizona in PicturesMinimum automobile insurance limits are;

  • $25,000 for bodily injury or death per person.
  • $50,000 total for bodily injury or death per accident.
  • $15,000 for property damage.

You can find most things you need to know about rules, laws and other details here.

Primary purpose of liability vehicle insurance is to pay for damages caused to third parties like injuries or property losses. States have the responsibility to make sure that innocent citizens don’t, at least financially, suffer from other drivers’ mistakes. Thanks to these state laws, nobody can buy any protection for their own automobiles before complying with at least the basic liability limits first.

Minimum liability limits are set at a basic level and might not be enough to cover sizeable accidents. Therefore, it’s strongly recommended to raise your liability car insurance coverage limits. Doing so is a wise decision for your own protection and a responsible choice to ensure coverage for injuries or damages you might cause to third parties.

Arizona Car Insurance Prices

The average cost of minimum liability only coverage is $590 and full coverage vehicle insurance is $1,800 and both are slightly lower than the average for the country. Although motorists in AZ may have to pay 3 times higher on average for a full coverage policy in comparison to liability only, this price gap is common across the country. Nevertheless, having Collision and Comprehensive coverage on your policy provides protection for your own automobile and therefore may be worth paying for the extra premium, especially for the owners of fairly new cars.

One worrying fact in Arizona is that motor vehicle crash deaths are slightly higher than the US average. Car insurance rates would be affected due to increased claim settlements when accidents, injuries and deaths are high in a region. Motorists who caused a collision would see large increases in premiums from next renewal. Also these increased claims and payments will affect prices for everyone else due to heightened demographic risks. Underwriters are well aware of these accident and injury figures and they will surely take it into account when they calculate quotes.

Competitive Automobile Insurers in Arizona

The difference between least and most expensive quotes can be as much as twice. This means that what you might spend in one year with the priciest insurer could cover you for two years with a more affordable one. These cheaper car insurance companies below can assist you in finding great deal coverage in most cities across AZ. As a general rule, you should still get a few more quotes from other carriers.

  1. Travelers
  2. State Farm
  3. Geico
  4. Auto-Owners
  5. Mercury

Auto Insurance Phoenix Arizona

The capital Phoenix is the largest city and its rates are 25% higher than the average and the most expensive in the Grand Canyon State. It is the most populated capital in the US with 1.5 million residents. The Metropolitan Area, known as the Valley of the Sun, dominates the central region with 4.5 million residents and it is the 12th most populated Metro in the US.

You can still get affordable policies in the Phoenix Metro Area. For example, average quotes from the above 3 companies are about 30% lower than the rest. As always, compare prices before you buy a policy if you want to pay a fair premium.

Interesting Arizona Auto Insurance and Driving Facts

  1. Vehicle insurers in this state must offer Uninsured/Underinsured Motorist Bodily Injury coverage of minimum $25,000 per person and $50,000 per accident but drivers can decline it in writing.
  2. In Arizona, Automobile insurers providing Comprehensive coverage must allow policyholders the option of complete coverage for repairing or replacing damaged safety glass without needing to pay a deductible. “Safety glass” includes the glass in the windshield, doors, windows, and vehicle lights.
  3. According to Forbes, Arizona is one of the states with the worst drivers in the US, based on dangerous, distracted, drunk and careless driving criteria.
  4. This Southwestern state presents varying climates and landscapes. The southern half features a desert climate with intense summers and mild winters. The northern half, including the Grand Canyon and national parks, offers milder summers, significant winter snowfalls, and diverse attractions like forests and ski resorts.
  5. If you own a Chevrolet pickup truck watch out because it is the most stolen vehicle in Arizona.
  6. Driving without insurance in AZ can lead to consequences such as fines, suspension of both vehicle registration and your driver’s license. To restore these privileges, you’ll be required to settle fees and submit evidence of financial responsibility to the MVD.
  7. In Arizona, your driver’s license may be suspended for not paying child support.

Securing affordable car insurance quotes not only saves you money but also provides the opportunity to enhance your coverage. This is why it’s crucial to consistently compare options to determine a reasonable premium for your desired coverage. Only if the coverage remains unaffordable might you consider the possibility of sacrificing certain aspects of the coverage.