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 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 low rates.

Also, lower than average number of drivers without insurance (12%) is a comfort for the citizens too. They concern everyone, including vehicle owners, people crossing the road or walking along the pavements. People may accept that accidents do happen but they shouldn’t be made worried about who is going to pay for their hospital bills and other financial losses.

Arizona Laws and Requirements

Arizona in PicturesMinimum automobile insurance limits are;

  • $15,000 for bodily injury or death per person.
  • $30,000 total for bodily injury or death per accident.
  • $10,000 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.

It is highly advisable to purchase a lot more liability car insurance coverage than minimum requirements, which are pretty insignificant today. $10,000 property damage cover cannot even buy a half decent car and $30,000 bodily injury provision would struggle to meet costs of a typical care, medicines and rehabilitation let alone operations. It is your responsibility to make any damages good and care for people you caused injuries. The simplest way of doing that is to buy a sufficient Liability auto insurance policy.

Arizona Demographics

You can enjoy several climates, varying temperatures, sceneries and driving conditions in this Southwestern state, which has a desert climate in its southern half, with scorching summers and mild winters. The northern half of the Grand Canyon State features national parks and forests, deep canyons and ski resorts with much more moderate summer temperatures and significant winter snowfalls.

Arizona Car Insurance Prices

Average cost of minimum liability only coverage is $590 and full coverage vehicle insurance is $1,800 and slightly lower than the average for the country. Price of a decent liability policy would be higher than the figure quoted above that can bring it closer to the cost of full coverage, which is generally pretty popular among automobile owners in this state.

Fairly reasonable uninsured motorists numbers may be one of the key reasons why people can find cheap vehicle insurance quotes in Arizona. Low figure means a large portion of owners buy policies and therefore the burden of paying for vehicle accidents is well spread among a larger portion of motorists.

However, one worrying fact 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 almost immediately. 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 prices can be as much as twice. In other words, you spend the money that can cover you for two years in one year when you are with one of the most expensive carriers. These companies can help you in your search for the best deals in most cities of AZ. As a general rule, you should still get a few more quotes from other carriers.

  1. Auto-Owners, $437
  2. Ameriprise, $476
  3. Farmers, $476

Also, zip codes affect premiums. People may have to spend about 30% more than the state average in expensive cities while some others are about 20% cheaper.

Auto Insurance Phoenix Arizona

The capital Phoenix is the largest city and its rates are 30% 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.