Arizona Car Insurance
Arizona state has its own car insurance requirements much like every other state and before registering or operating a vehicle in Arizona you need to learn about local car insurance requirements. Driving with no insurance or operating a vehicle under the influence can have severe penalties with both the state and car insurance companies. Get started and read more about Arizona car insurance requirements below.
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What are the car insurance requirements in Arizona?
Under Arizona law all drivers must comply with certain minimum car insurance requirements and carry liability insurance. The current (2010) auto insurance minimums are:
- $15,000 liability insurance for bodily injury in accidents with one injured person
- $30,000 combined liability insurance per accident (all persons)
- $10,000 property damage coverage
In comparison to other states Arizona minimum car insurance requirements are around average yet are still far less than what most drivers should have. While liability insurance provides coverage for damage to other drivers having just Arizona minimum car insurance as policy coverage does not provide insurance for damage to your vehicle or personal injuries in at-fault accidents. Most drivers choose a full coverage car insurance policy which contains liability, collision and comprehensive coverage.
How much car insurance should I buy?
While most drivers should have a full coverage car insurance policy which includes the main three types of auto insurance (liability, collision and comprehensive) you also need to pay attention to your policy limits. It’s not just about the type of coverage but also how much coverage you have. Purchasing a car insurance policy with $30,000 coverage certainly may seem like you have enough but when the replacement cost of many vehicles is well over $30,000 and the cost of medical treatment can easily extend into $10,000 or more its important to have a sizeable enough blanket of coverage. The primary reason being that any damages which exceed your policy coverage limits may be passed on to you as personal liability. Most drivers opt for at least $100,000 in coverage.
Arizona DUI Laws
Driving under the influence in any state is a mistake and Arizona is no different with 2 levels of DUI charges. Drivers with a 0.08% or higher blood alcohol content (BAC) will be charged with a standard DUI and those operating with a 0.15% of higher will be charged with an extreme DUI charge. Both of these charges come with severe financial penalties along with possible license suspension, possible interlock requirements, potential jail time and more. Learn more about Arizona DUI laws here.
Arizona SR-22 Car Insurance Requirements
The SR22 is a form required by the DMV to certify the driver has met the financial responsibility of insurance operating a vehicle. On the surface the SR22 form doesn’t seem like a big thing however it is, as car insurance companies classify any driver with a SR-22 requirement as high risk. Many car insurance companies will even deny coverage and you can bet your auto insurance premiums will increase up to 200% or higher than good driver premiums. Arizona has an SR-22 requirement for drivers convicted of a DUI (and other reasons) and once you are under an SR-22 requirement it can be 3 years or more until this requirement is removed as part of your driving privileges.
How much is car insurance in Arizona per month?
Auto insurance rates in Arizona vary depending on your driving record, credit score, type of vehicle insured and many other factors. However, on a national scale, Arizona drivers typically pay about 20% lower than the national average premiums hovering around $1,150 a year for most good drivers.
What car insurance companies offer the best rates in Arizona?
Car insurance is a very competitive industry and Arizona is no stranger to a healthy, competitive market for insurance. There is no right answer to who has the best car insurance rates for every driver but with over 100 licensed auto insurance companies drivers can choose from a wide range of providers. Shop around and compare Arizona car insurance companies today by ZIP code!
