Minimum Automobile Insurance Requirements In Arizona

Arizona is one of the strictest states when it comes to providing proof of the state’s minimum required amount of automobile insurance. When an automobile owner registers their vehicles, each year, they are required to show proof of current insurance. Anytime a person is pulled over by a police officer they are also required to provide proof of insurance. If proof of current insurance is not provided the driver’s license, or the automobile’s registration, could be suspended.

The state of Arizona requires all drivers to carry bodily injury and property damage liability insurance. This insurance must provide a minimum of $15,000 to be paid out to a single person that is injured in at fault accident. The policy must pay out at least a total of $30,000 for all persons injured in the accident. It must also cover at least $10,000 in coverage for property damage that occurs. Arizona drivers are not required to cover no fault insurance policy clauses.

Arizona also has other ways to keep track of it’s drivers insurance policies. All insurance companies are required to notify the motor vehicle division in the event that an insurance policy lapses. The state also requires many people who fail to maintain insurance policy to obtain an SR22 insurance policy. Once the state requires this type of policy they generally require the person to carry this policy for a minimum of three years.

Despite the fact that Arizona has so many ways to keep track of residents’ insurance policy, thousands of people are caught every year driving without insurance. This is partly due to the state’s location in regards to the international border and insurance requirements in Mexico. These are two of the reasons that Arizona is ranked one of the highest places to carry automobile insurance.

Carrying more insurance than the state’s minimum requirements will help protect you in the event of an accident. Arizona has many different types of storms that often cause a decrease in the driver’s visibility. Many of these storms, such as dust storms and monsoons, come with little to no warning. These storms often cause a sudden increase in the number of accidents that are seen in one day on Arizona’s roads.