Auto Insurance in Arizona (AZ)
Arizona is one of the fastest-growing states in the nation. That makes it an exciting place to live, but it also means that car insurance rates have risen dramatically in the past few years due to increased traffic density in its cities. The number of people claiming bodily injuries in accidents is 26.5% higher than the national average, and the costs to treat those injuries are higher as well. The state also has a lot of claims of comprehensive damages from incidents such as theft and vandalism—170% higher than the national average! These statistics will affect your car insurance rates in Arizona.
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How much auto insurance do I need in Arizona?
State law requires all drivers to carry minimum levels of liability insurance on all of their vehicles, including motorcycles, mopeds, and golf carts. The minimum liability coverage levels that the state will accept are as follows:
- $15,000 in bodily injury coverage per person up to $30,000 per accident
- $10,000 in property damage liability
Most insurers, howver, will recommend buying more than the minimum amount of coverage to protect your assets in the event of a major accident. You want the costs associated with an accident to cover all of your expenses, including damage to the car and medical payments for any injured passengers. This is especially wise in Arizona, with its significant population of wealthy retirees and more expensive vehicles.
If you are moving to Arizona and are planning to register your car there, you must have car insurance from an insurer authorized to offer auto insurance in the state. Insurance providers notify the Arizona Moving Vehicles Division of new policies as well of any policy cancellation or cancellations due to lapses in payment, which will result in an inquiry from the MVD, Local law enforcement agencies require drivers to show proof of insurance if they are stopped.
Are there insurance discounts available in Arizona?
Arizona drivers may be entitled to discounts for a good driving record, if they are senior citizens, or by buying auto, home, and life insurance policies with the same company. Graduate students, federal employees, and members of certain professional groups may also be able to receive discounts on their rates.
Where can I get purchase auto insurance in Arizona?
Companies offering car insurance in Arizona include:AAA, AIG, Allstate, American Family Insurance, Amica, Chubb, Comparison Market, Eastwood, Electric Insurance, Esurance.com, Farmers, GMAC Insurance Online, The Hartford, Horace Mann, Insurance.com, MetLife Auto, Permanent General, Prudential, Safeco, State Farm, The General, Travelers Insurance, and Unitrin.
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For more information regarding insurance rates and requirements, you can contact the Arizona DMV at:
Arizona Department of Transportation
Motor Vehicle Division
PO Box 2100
Phoenix AZ 85001-2100
*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.
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