Auto Insurance in Arizona
Understand the nuances of buying auto insurance in Arizona.
Drivers in Arizona spend plenty of time behind the wheel. And when the weekend arrives, many hit the road again, exploring the state’s legendary natural beauty—from wondrous deserts and canyons to the white sand beaches of Lake Havasu State Park.
Car insurance in Arizona is essential for protecting your vehicle, and yourself. As you shop for auto insurance, take into consideration Arizona’s minimum coverage requirements, insurance laws, and average rates—and be sure to compare quotes before choosing an insurance provider.
What are Arizona’s car insurance laws?
If you drive in Arizona, make sure you’re covered. You must have auto liability insurance for any vehicle you drive—regardless of whether it’s a car, a moped, or a golf cart. If you can’t show proof of coverage, you could face suspension of your driver’s license and vehicle registration.
When did car insurance become mandatory in Arizona?
Auto coverage has been required since 1986.
Is Arizona a no-fault car insurance state?
Arizona is not a no-fault state. This means that the driver at fault must use his or her insurance to pay for the other driver’s damages. The police and the involved insurance companies use evidence to determine who’s at fault. But sometimes, the blame isn’t so clear-cut.
If fault is shared, so are the damages. So if you’re involved in a crash and it’s determined that you were 30 percent at fault, and the other driver was 70 percent at fault, you can collect 70 percent of the cost for your damages.
What is considered full-coverage auto insurance in Arizona?
In Arizona, a full-coverage auto policy provides at least the state’s minimum for liability coverage (both bodily injury and property damage), as well as collision and comprehensive coverage.
What are Arizona’s minimum car insurance requirements?
Every state has its own auto insurance coverage requirements. In Arizona, drivers are required to carry at least the following:
- Bodily injury liability coverage at $25,000 per person and $50,000 per accident.
- Property damage liability coverage worth $15,000.
These are just the minimum requirements in Arizona. You can always choose to increase your coverage amounts or include optional coverage such as MedPay—medical payment coverage for when you, another driver listed on your policy, or passengers are injured in an accident.
Know, too, that insurance companies notify the Arizona MVD of all new car insurance policies, as well as cancellations and non-renewals. If you’d like to temporarily suspend your coverage until a vehicle is ready to get back on the road again, you can request a Vehicle De-Insured Certificate.
What are average Arizona car insurance rates?
On average, car insurance in Arizona costs $2,754 per year. Ultimately, your annual cost will depend on which type of policy you choose, its deductible, and what kind of vehicle you drive, as well as your driving record.
Is there a new-car insurance grace period in Arizona?
No. In Arizona, you must have auto insurance coverage before you drive any vehicle, even a brand-new one. Also, proof of insurance is required at time of registration in Arizona.
Is there a safety glass non-deductible option for Arizona drivers?
If you’re an insured driver in Arizona with comprehensive coverage, you may be eligible for the safety glass non-deductible option, which has a zero dollar deductible if you need to repair or replace safety glass, plastic, or other materials on your car. So if your windshield, window, or other glass on your vehicle gets damaged and needs replacing, you’re covered for the full amount.
Does Arizona have a teen driver graduated licensing program?
Getting your driver’s license is exciting, and if you live in Arizona, all teen drivers (ages 16-18) must partake in the graduated licensing program. After passing written and vision tests, your teen will be issued a graduated driver license (Class G) permit that must be maintained for at least six months. During this time, Arizona requires teens to complete a set amount of supervised driving hours. Or, young drivers can complete a high school driver education course or an authorized third-party driver license driver education program. There are still a few restrictions after your teen receives their graduated driver license, but they’re one step closer to driving independently.