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Arizona Car Insurance Requirements

Arizona requires all drivers to carry liability insurance. Alternatively, to prove the capability of covering damages in an accident, a driver must file a $40,000 certificate of deposit with the state treasurer.

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In addition to having proof of insurance in one’s vehicle, Arizona residents must show this proof of financial responsibility when applying for residence in Arizona.

Arizona Auto Insurance Minimums

The minimum insurance requirement in Arizona is liability insurance.  This carries with it the following amounts:

  • $15,000 per person in bodily injury coverage
  • $30,000 total per accident in bodily injury coverage
  • $10,000 per accident in property damage coverage

Arizona Automobile Insurance Plan

If you cannot find coverage from a standard Arizona insurance carrier, Arizona has an assigned risk plan for high-risk drivers, called the Arizona Automobile Insurance Plan (AAIP).

If you are a high-risk driver, the assigned risk plan allows you to get the required minimum coverage in the event that an insurance company refuses you service. The rates for the assigned risk plan are higher than normal, so use it as a last resort.

Optional Arizona Auto Insurance

Many Arizona drivers choose to buy coverage exceeding the minimums. This proves as a true safeguard in the event of a costly calamity. Here are some options for Arizona drivers:

  • Collision – For accident-related damages to your car
  • Comprehensive – For any damages to your car that are out of your control, such as weather-related damages
  • Rental Reimbursement Coverage – An element of a policy that covers the cost of a rental car if one is needed after an accident
  • Full Glass Coverage – For damage done to a car’s glass, including windshields

Arizona Penalties for Lack of Insurance

The state of Arizona requires drivers to be able to present proof of insurance at all times.  The Arizona Department of Transportation is electronically notified when a driver allows his or her insurance to expire, or if the policy becomes invalid. Driving without insurance can result in revocation of your license.

Arizona Insurance Premium Factors

To determine your insurance premiums in Arizona, insurance companies will look at the following factors:

  • Driving record – this will have the largest impact on your premium
  • The location where your car is kept
  • You car’s year, make, and model
  • Your credit report

Arizona Insurance Discounts

Insurance companies in Arizona have the opportunity to provide several discounts in insurance policies. Ask your insurance company if they can apply any of the following discounts for you:

  • For buying multiple policies with your insurance company
  • For putting multiple vehicles on one policy
  • For having an accident-free record
  • For having safety devices in your car
  • For installing anti-theft devices in your car
  • For good grades in driving school

Reporting Arizona Auto Insurance Fraud

Insurance fraud is a crime; it ultimately raises rates for everyone in the state. Insurance fraud includes, but is not limited to, false insurance claims, selling insurance without a license, or staging theft or accidents with the intent of benefiting from a claim. You can report suspected insurance fraud to the Arizona Department of Insurance Fraud Unit (602) 364-2140.

Most Stolen Cars in Arizona

Your premiums will be affected if your car is commonly targeted by car thieves. The following makes and models are more likely to be targeted in Arizona:

  1. Chevrolet Pickup (Full Size)
  2. Ford Pickup (Full Size)
  3. Dodge Pickup (Full Size)
  4. Honda Accord
  5. Ford Explorer
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