Arizona Car Insurance (AZ)

Arizona is on the move.  A lot of people are finding new jobs, new friends and a great new desert lifestyle.  If you are headed in that direction, one of the first things you will want to deal with is car insurance.  The state of Arizona requires that every car owner carry a minimum of $15,000 in bodily injury liability coverage for one person and a minimum of $30,000 for all persons involved in an accident. The minimum liability coverage for property damage is $10,000. But these are only minimum state requirements, and you should consider purchasing higher limits to protect yourself financially.

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Insurance Options in Arizona

Arizona drivers have the option of purchasing uninsured motorist coverage and/or underinsured motorist coverage for bodily injury.  These policies fill the gaps that are created when you are in an accident with a driver who does not have car or insurance, or whose coverage is insufficient to cover your expenses.  Most states require some sort of coverage like this, and it makes sense to protect yourself against people who do not drive with adequate insurance coverage.

Arizona Insurance Requirements

Car insurance in Arizona is required immediately, before you drive your car.  If your car is registered in the state, your insurance policy must be purchased by a carrier that is licensed to do business in Arizona. If you are a new resident in Arizona, your policy from an out-of-state carrier is not acceptable.

Insurance companies are required to notify the state of every new insurance policy, policy cancellation, or lapsed policy.  If the Arizona Motor Vehicles Department receives a notice of a policy cancellation, they will contact the vehicle owner with an inquiry.  If you have switched your coverage, make sure you to update the policy documents you carry in your car.

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Coverage In Arizona (AZ)

There are a number of additional optional policy components that are available for your car insurance. Collision insurance will pay for the cost of repairs to your car resulting from an accident where you are at fault.  Comprehensive coverage pays for non-accident related damages, resulting from incidents such as storms, fire, theft, break-ins or vandalism.  There are deductible payments accompanying both of these categories of insurance.  It is in your best interest to choose the highest deductible you can afford, should you be in an accident.  High deductibles result in reduced insurance premiums.
 
You can also purchase coverage for towing, which will pay for having your car removed from the scene of an accident.  And you can buy coverage for a rental car, which will be paid for while your car is in the shop.

Car Insurance in Arizona Cities

Learn more about car insurance specifically in Phoenix and Tucson.

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