8 things to know about Arizona car insurance requirements
March 31, 2022
Hi, Arizona. You’re here because you’ve likely had some questions about Arizona car insurance requirements. Well you’ve come to the right place. As an insurer in the state, we’ve got answers for you. Because whether you’re new to the state, or are looking for a car insurance that has you in mind—look no further.
We’ll give you the basics and answer some questions we’ve gotten as anAZ car insurance company. 1. What is the minimum car insurance coverage in Arizona?
Like other states, Arizona requires drivers to have certain car insurance coverages. Meaning, if you’re only seeking the necessary coverage in Arizona when it comes to your auto insurance, let’s fill you in.
In the Grand Canyon State, you are only required to have liability insurance. Seems simple enough, right? Here are three things you need to know about Arizona’s minimum insurance coverages:
You must maintain a minimum of $25,000 in bodily injury liability coverage for one person and $50,000 per accident.
You must maintain a minimum of $15,000 in property damage liability coverage.
If you’re not sure if you only want to opt for minimum coverage, consider taking a look at Arizona Department of Insurance and Financial Institutions resources. They provide educational tools to help you determine the right coverage for you and your situation.
2. What is considered full coverage auto insurance in Arizona?
Technically, there’s no such thing as “full coverage.” But, what people generally mean by “full auto insurance coverage” is anything beyond a state’s minimum auto insurance requirements. For example, say you enroll in the minimum coverages in Arizona (like we just talked about). If you were to add Comprehensive and Collision coverage, Uninsured and Underinsured Motorist or Medical Payments coverages to your auto insurance policy, you would be more “fully” covered.
These additional coverages, beyond the minimum requirements in Arizona, help protect you if you are injured by a driver without any, or insufficient liability coverage. We recommend that in Arizona you carry not only liability coverage, but also Uninsured and Underinsured Motorist coverages with the same limits as your chosen liability coverage selections.
Your insurer is required to offer you these coverages for purchase. If you opt out of Uninsured or Underinsured Motorist coverages, your insurance provider will require you to sign a waiver acknowledging that you’ve chosen to select lower limits or not buy them at all.
3. What is liability insurance?
We’ve mentioned liability auto insurance a few times, so you may be wondering what it is exactly. Not only do we have a blog post on liability insurance coverage, but we’ll give you the basics on liability auto insurance coverage because it’s mandatory in Arizona.
This coverage pays for injury or damage to the property of others, if you end up being legally responsible. It also pays for your defense and court costs, if you are sued by others for a covered claim. While liability insurance provides this coverage, there are things it doesn’t cover, for example:
Damage to your car
A rental car if you can’t drive your car after an accident
Protection from uninsured or underinsured drivers
We recommend keeping these things in mind as you choose your policy coverages.
4. Can you drive without insurance in Arizona?
Legally, you can’t drive without insurance in Arizona. What happens if you’re caught? We have the answer to what can happen when you drive without insurance on our blog. In the state of Arizona, it’s very important that motor vehicles operating on the roads are insured for at least the state minimum liability limits. Insurance companies in Arizona must notify the MVD of all new policies and all terminations so they can follow up on the insurance status of vehicles registered in the state. If you fail to keep your insurance policy active, your license or vehicle registration may be suspended.
5. Can I find cheap car insurance in Arizona?
While cheap auto insurance may sound like the ideal scenario for your wallet, it may not be the right choice when it comes to coverage and fitting into who you are as a person. So technically, yes you can find cheap car insurance in Arizona, but is it a good choice?
Take HiRoad, for instance. We know that folks in Arizona care about having good insurance coverage while still having it be affordable. And there should be rewards for mindful drivers. Our app uses telematics in your phone to recognize and reward your mindful habits behind the wheel—which can lead to up to a 50 percent off your monthly bill.
6. What is the average cost of insurance in Arizona?
The average cost of insurance in Arizona? If you ask three different insurers you’ll get three different answers. That’s because there’s no one-size-fits-all approach to the cost of auto insurance. Why? Because there’s so much more to it. Your cost of insurance can vary based on your coverages, the car you drive, risk attributes, driving habits, your age, where you live and who your Arizona auto insurance is through.
So as much as we’d like to give you an average cost of insurance in Arizona, there’s a lot of pieces to the puzzle that vary from person to person. But if you’re curious to know what your cost would be with HiRoad, start a quote today.
7. How can I save on auto insurance in Arizona?
Finding ways to save on any bill is something we get. If you’re looking for ways to save money on your auto insurance premium—you’re in the driver’s seat. You can save up to 50 percent each month you’re a HiRoad customer by practicing safe, smooth moves on the road through our Driving Scores (Distraction Free, Smooth Driving, Driving Patterns and Safe Speeds) found within the app.
But if you’re wondering about the other ways you can save on auto insurance, take a look at these suggestions:
Shop around and compare insurance quotes
Raise your deductible
Maintain a good credit history
8. Does my car insurance have glass coverage?
In the event the glass of your vehicle is damaged and a claim is filed, Comprehensive coverage (if carried) generally requires you to pay your deductible amount. There are a few states, like Arizona, that mandate the availability of “zero deductible” Comprehensive coverage policies which don’t apply a deductible for glass claims.
If you choose to add “zero deductible” glass protection to your Comprehensive coverage, it will raise the price of your coverage, and ultimately your premium.
HiRoad as your Arizona auto insurance company
We’ve laid out a lot of information for you on Arizona auto insurance, but we hope this has helped! If you’re still shopping around or new to the Grand Canyon state, we invite you to take a look at HiRoad.
We’re an auto insurance company that can tailor your policy to your needs—whether that’s minimum coverages or having full coverage. The good news about us? We work to provide you with great auto insurance that rewards you with monthly discounts when you’re mindful on the road.
So if you consider yourself a mindful person who takes things slow behind the wheel, opts for other methods of transportation or simply strives to live a more mindful lifestyle, consider HiRoad.The information in this article was obtained from various sources not associated with HiRoad®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. HiRoad is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. HiRoad makes no guarantees of results from use of this information.
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