Arizona Car Insurance

What to Know About Arizona Car Insurance

Find the right car insurance policy for you.

If you live in The Grand Canyon State, your drive might be through a mountain pass or a busy city center.  Regardless of where you live in Arizona, the premium you’ll pay for car insurance is slightly lower than the national average Of course, your premium is based on the kind of coverage you carry, type of vehicle you drive, the insurance company you work with, and many other factors unique to you.

To make sure you’re getting a competitive rate on excellent insurance coverage, compare several different quotes. A local independent agent in the Trusted Choice® network can help you compare Arizona auto insurance quotes for your vehicle. Contact a member agent today for help finding the best choice for you.

Arizona Car Insurance Costs

  • National average cost per year: $1,474
  • Arizona average cost per year: $1,222
  • 14th least expensive premium in the US

Arizona Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 15/30/10
    • Coverage up to $30,000 for all persons injured in an accident, subject to a limit of $15,000 for one individual, and $10,000 coverage for property damage.

The average rates a driver in Arizona will pay for car insurance are slightly lower than the national average, though these figures are just a ballpark number. The amount you will pay in your own premiums will be based on your own unique needs and your profile as a driver.

Arizona does require minimum liability coverage. Penalties for violating the law increase by the number of violations, as follows:

  • First offense: $250 fine and license suspension up to 3 months
  • Second offense within 36 months: Mandatory $500+ fine plus a license suspension of up to 6 months
  • Third and subsequent offenses within 36 months: Mandatory $750+ fine plus license suspension of up to 1 year

Arizona Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Arizona uninsured motorists: 11%
  • Arizona average vehicle repair cost: $2,243

The number of Arizona drivers without the required minimum coverage is less than the national average, but the percentage is still very high. Drivers who break this law are held liable for injuries or damages they cause, and must pay out of pocket.

If these statistics make you wonder how to protect yourself and your family, consider carrying uninsured/underinsured motorist coverage. Arizona car insurance laws do not require drivers to carry it, but this policy option can help protect insured motorists from damage by uninsured motorists.

Number of Thefts in Arizona

  • National car theft rate (per 1,000 registered vehicles): 2.94
  • Arizona car theft rate (per 1,000 registered vehicles): 3.82

According to The National Insurance Crime Bureau metropolitan areas of Tuscon, Phoenix-Mesa-Glendale and Yuma are hot spots for auto theft. You can protect your car from theft with a comprehensive auto policy, as well as improvements like security systems. Check with your agent to see if there are improvements you can make to your vehicle that will earn you discounts on your Arizona car insurance.

Do You Need Arizona Car Insurance?

An independent agent in the Trusted Choice network can help you compare Arizona auto insurance quotes to make sure you get the best deal. These agents can also answer your questions and help you choose the right policy to protect your vehicle and secure your investment.

Shopping for your own auto policy can be a tough job. A local independent agent can help simplify this process for you. Find an agent in your area today to get started.

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