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Best Cheap Auto Insurance in Arizona

Whether you drive your vehicle a lot or mostly leave it at home, your car is a significant financial investment that you should protect with the best car insurance in Arizona. Not only that, but Arizona state law requires all drivers to carry car insurance in AZ. Before you purchase cheap auto insurance in AZ, get familiar with the following facts to make sure your coverage meets the requirements for car insurance in AZ.

Minimum Arizona Car Insurance Coverage Required

  • Drivers must have $15,000 of bodily injury insurance coverage.
  • Drivers must also have $30,000 of total bodily injury coverage (for passengers in the car).
  • Arizona drivers must have $10,000 of property damage insurance coverage.

Factors that Determine Car Insurance Premiums

  • Driving record, including the number and circumstances of any auto accidents
  • Marital status
  • Gender
  • Make of car
  • Occupation
  • Credit Score
  • Number of miles normally driven with each vehicle

If this seems subjective, it's because it is. Insurance providers study the demographics of the types of drivers they insure, and how often those drivers get into an accident with their vehicle, and then calculate their insurance rates accordingly. Drivers in demographics with a higher statistical likelihood of getting into an accident generally have higher rates.

Car Insurance is Mandatory

People who call Arizona home and drive must obtain liability insurance through an Arizona insurance company. Penalties for driving without insurance include the suspension of that person’s driver's license and vehicle registration. After the suspension period has passed, that person must prove financial responsibility to have his or her license and registration reinstated.

Other Regulations for Auto Insurance in AZ

  • When registering a car in Arizona, a driver must provide the minimum insurance coverage required by law immediately. In fact, the car should not be driven until auto insurance is obtained.
  • Anyone convicted of driving on a suspended license, reckless driving or a DUI will be required to provide the DMV with an SR-22 form. When a driver purchases auto insurance, the insurance agent fills out the SR-22 on his or her behalf and files it with the DMV. Remember, an SR-22 is not an insurance policy. It is proof of insurance.

Cheapest Auto Insurance Quotes in Arizona

The rates for cheap auto insurance in Arizona vary each year, which is why it’s so important for drivers to get new auto insurance quotes in AZ regularly to make sure they’re in the best financial situation possible when it comes to insuring a vehicle.

Car Insurance Fraud in Arizona

Car Insurance fraud in the state of Arizona is big business. In fact, according to the Arizona Department of Insurance, 30 percent of all insurance claims for bodily injury are fraudulent. This ends up being passed on to the consumer in annual premiums that are roughly $200 higher.

Alcohol-Related Crashes

Another point of concern to car insurance consumers and each Arizona auto insurance company that insures them is the number of alcohol-related car accidents each year. Of particular concern is how young some of the drivers tend to be. While children under the age of 15 make up .13 percent of all the drivers in alcohol-related crashes, it is difficult to envision a 7-year-old driving under the influence of alcohol. But, according to the Arizona Crash Facts Summary, it happens. In 2015, the largest grouping of alcohol-related accidents occured in the 25- through 34-year-old age group, which was responsible for 30 percent of all Arizona alcohol-related accidents. Surprisingly, most alcohol-related accidents occur when road conditions are dry.


Unusual Arizona Traffic Laws

It’s against the law to drive a car in reverse on a public road.

The "Stupid Motorist Law" (that’s what it’s called) states that any motorist who becomes stranded after driving around barricades to enter a flooded stretch of roadway may be charged for the cost of any rescue.

Horse Traffic?

Since many Prescott, Arizona, residents enjoy horseback riding, there are plenty of unique traffic laws supporting equine transportation. Did you know that one such law declares that anyone riding a horse up the stairs of a county courthouse will be arrested on the spot?

Auto Insurance Center Methodology

Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.