Arizona Car Insurance Guide

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If you drive in Arizona you need to make sure your vehicle is properly insured. This a requirement from the state and is not open to debate. You can learn more about your Arizona insurance obligations by reading below.

Minimum Auto Insurance Requirements In Arizona

The first thing that you have to think about when getting car insurance in Arizona is knowing the minimum liability requirement for the state. In this case, Arizona has a 15/30/10 mandatory minimum liability insurance coverage, meaning $15,000 for one person for injuries or death sustained in an accident going to $30,000 for injuries or death per whole accident. For any damages sustained by the car and other properties, the minimum libailty portion is $10,000.

These are much smaller numbers compared to the other states in the country and may not fully financially protect you in the event of an accident.

For that reason you are highly recommended to get much more liability coverage. You may also wish to buy additional types of insurance not mandated by law. The Arizona Department of Insurance Consumer Guide to Automobile Insurance suggests you consider also purchasing Uninsured Motorist Coverage, Underinsured Motorist Coverage, Collision Coverage, Comprehensive Coverage and/or Medical Payments Coverage.

The more insurance coverage you have, the less financially at risk you’ll be in the unlikely event of an accident.

Arizona State Auto Insurance Laws

There are a few other important things to know about Arizona car insurance beyond the simple liability minimums. There are several important insurance laws in the state that you should be aware of before buying and driving your vehicle.

Arguably, the most important thing to know is that auto insurance in Arizona operates under the ‘at-fault’ also known as tort system. Simply put, this means if you’re found to have caused an accident you (or your insurance company) has to pay.

You also need to carry proof of insurance at all times when operating your vehicle. The Arizona Motor Vehicle Division reports that: “Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. To reinstate these privileges, fees and future proof of financial responsibility must be filed with MVD. The future proof requirement is most commonly an SR22 form from an insurance company. This can be expensive to the vehicle owner, especially since the law requires the owner to carry the SR22 for three years from the date of suspension.”

You should also be aware that your insurance policy can legally be canceled for any of the following reasons:

  1. Not paying your insurance premiums.
  2. Lying on your insurance application form.
  3. Having your Driver’s license suspended.
  4. Becoming disabled and not showing proof to the MVD that you can still operate a vehicle.
  5. Being convicted in the 36 months prior to the issuing of the policy of any of the following: Criminal negligence, resulting in death, homicide or assault, arising out of the operation of a motor vehicle; Operating a motor vehicle in an intoxicated condition or while under the influence of drugs; Leaving the scene of an accident; Making false statements in an application for a driver’s license; Reckless driving.
  6. Using a personal vehicle for regular commercial purposes.
  7. The director of insurance determines that the continuation of the policy would place the insurer in violation of the laws of Arizona or would jeopardize the solvency of the insurer.
  8. The insurer goes bankrupt.

Finally, It is also important to know where your Arizona car insurance policy is and isn’t valid. The good news is that your policy should be valid anywhere in the United States and Canada. Although you should always check this with your insurance company before making any long distance trips.

The bad news is that your policy will not be valid just south of the border in Mexico. They require you to purchase Mexican liability auto insurance. If you get in an accident without this coverage, you could face huge fines and even face Mexican jail time.

Arizona Car Insurance Companies

Arizona has a huge number of insurance companies to pick from. A good place to start is by using our free quote form (either at the top or bottom of this page) to get quotes from leading insurers. You can also visit the Arizona Department of Insurance’s Insurance Company search page to find all companies licensed to do business in the state.

To make your search a little easier you can also begin by looking and choosing from among the following insurance companies that are affiliated with the Insurance Information Institute:

Allianz of America, Inc.

Allstate Insurance Group

Bituminous Insurance Companies

Chubb Group Of Insurance Companies

Farmers Group, Inc.

GEICO

GuideOne Insurance

The Hanover Insurance Group, Inc.

The Hartford Financial Services Group

Harleysville Insurance

Holyoke Mutual Insurance Company

Kemper Corporation (formerly Unitrin)

Liberty Mutual Group

MetLife Auto & Home

Michigan Millers Mutual Insurance Company

Nationwide

Safeco Corporation

SECURA Insurance Companies

State Auto Mutual Group

State Farm

Travelers

USAA

W. R. Berkley Corporation

Zurich North America

If you’re having issues with your insurer it is important to know that you do have options. You can always file a complaint with Department of Insurance to see if they may be able to help resolve the situation.

Average Arizona Auto Insurance Rates

Although it sounds simple, finding the actual average Arizona auto insurance rates is not easy. Several sources give conflicting numbers. Probably the best place to start is with the Arizona Insurance Department’s Premium Comparison and Complaint Ratios for Automobile Insurance. It gives typical rates for people in a variety of circumstances. Better yet, it gives a complaint ratio singling out the good companies from the bad.

For broader numbers, The Insurance Information Institute claims that in 2007 the average Arizonian driver spent $873 for their car insurance (above average). CarInsurance.com claims that the number for 2011 is now $1,059 (below their average although they use a much smaller sample size).

No matter what the true “average” Arizona auto insurance rate is, the only way you can beat it is to make sure you get plenty of insurance quotes.

Arizona Car Accident Statistics

Arizona has a higher accident rate than the US national average. In 2009, there were 106,767 accidents in the state with 807 fatalities. This represents a fatality ratio 1.31 compared to 1.14 in the US overall. The good news is that the number of DUIs is lower, with 27% fatalities caused by drunk drivers compared to the overall average of 32%.

The Arizona MVD has also found the following:

Peak Month For All Crashes: December
Peak Day For All Crashes: Friday
Peak Hour For All Crashes: 4pm – 5pm
Peak Month For Fatal Crashes: April
Peak Day For Fatal Crashes: Saturday
Peak Hour For Fatal Crashes: 6pm – 7pm
Peak Hour For Alcohol Related Crashes: 2am – 3am
Peak Hour For Fatal Alcohol Related Crashes: 9pm – 10pm and 3am – 4am
Most Common Manner Of Collision: Rear-End
Most Common Driver Violation: Speed too fast for conditions

Moreover the National Highway Traffic Safety Administration has listed the following counties as the 10 worst in the state.

  1. Maricopa County
  2. Pima County
  3. Pinal County
  4. Yavapai County
  5. Navajo County
  6. Mohave County
  7. Coconino County
  8. Cochise County
  9. Apache County
  10. Yuma County

Why You Should Get Arizona Car Insurance Quotes

When it comes to getting an Arizona car insurance quote, most people just put it off to later time. For any driver, this should not be the case. After all, this isn’t just about your car. This is about your safety.

Getting a car insurance policy can be quite time-consuming. For those who want to get their insurance in the quickest possible time, don’t worry. You can still get an instant Arizona car insurance quotes through the Internet.

The great thing about online Arizona auto insurance is that you can get all the given information about your chosen quotes listed on your computer. No more repetitive speeches from your insurance provider or agent. Just straight-to-the-point information!

All you have to do is give the necessary information about your car, your driving history and a few other questions used to determine your premiums. Some people do lie about certain information just to save some money on their car insurance. You should not do this!

You should be upfront and honest with all your answers. Insurers are legally allowed to cancel your insurance policy if you provide false information when buying a policy. However, when getting a quote you are perfectly within your right to play around with different options to find out what they will cost.

Begin your search now with some free instant Arizona car insurance quotes:

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Arizona Motor Vehicles Division (MVD)

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