Arizona Auto Insurance

"Being insured is the law in Arizona"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the province of Arizona.

• What does the law say pertaining to minimum insurance coverage in Arizona?

Arizona has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Arizona, you can obtain your learner’s permit at fifteen and a half, and your restricted license at sixteen, with a full license at sixteen and a half.

To adhere to Arizona's auto insurance rules, you must...

In Arizona, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Arizona requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Arizona, you must have third party liability insurance for bodily injury with each person allowed $15,000.00, up to maximum of $30,000.00, as well as an additional $10,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Arizona, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Arizona:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Arizona.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Arizona

Auto Insurance FAQ

Question: Best affordable auto insurance for someone who lives in Arizona?

Answer: I recommend you call a nearby auto insurance agent to assist you. Since I live in Vermont I can't recommend anyone in Arizona, but here is an website that can help you. http://www.multipleautoinsurancequotes.com/Arizona-Car-Insurance-Quotes.html Good Luck!

Question: soes anyone know of a good insurance company in Arizona?
I would like to have my auto, home and life insurance through the same company and not have to deal with all the BS. Please don't say farmers because that's who I have now and am very unsatisfied with them. I want good coverage, but decent priced too.

Answer: For car insurance the easiest method to get a free quote is do a policy comparison. Be sure to choose the same coverage amounts, you can get an fast quote to compare against others. Use the same city/state, auto make and model, mileage and driving history to ensure you get an apples to apples comparison. To get easy auto quotes, go to http://www.simpleautoquotes.com/Auto-Insurance.html and you can compare all the major auto insurance companies.

Question: Temporary auto insurance for move?
I'll be moving to Oakland California from Phoenix Arizona and I was wondering if there is such a thing as temporary auto insurance. My vehicle is not currently insured, but I can get a temporary registration from AZ DMV. That would allow me to drive my car for my move. I will be pulling a small utility trailer. I don't want to get a full 6 month insurance policy because as soon as I get to Oakland, I won't be driving the car at all. Are there any insurance companies that offer a really short policy (2 days, or maybe a week) ? I only need insurance for those two days, and so that I can get temporary registration from the DMV. Does anyone know if such a thing exists, and if so what company?

Answer: Sorry, but there's no such thing as temporary auto insurance. You will need to get the 6 month policy. However, you can cancel your insurance at any time. You will probably get about 3 months premium back if you pay for the entire term up front. If you only pay for 1 month and cancel after a week you'll probably owe them.

Question: My insurance agent told me if I am engaged and living together?
That I can claim married on our auto insurance policy in Arizona to receive a discount ... Is this correct?

Answer: The agent did that to get you the better "married" rate. That is not 100% legal - sort of a grey area. I stay away from agents who operate in the grey area. If you have a claim will the company pay it since your policies are set up wrong? I would suggest getting a new policy. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto

Question: Am I obligated to file a claim with my insurance if someone else was driving my vehicle and had an accident?
In the state of Arizona, auto insurance follows the vehicle. An acquaintance drove my daughter's car, had an accident, admitted fault and agreed to pay for damages. She has since decided she did not want to pay since we have insurance and that insurance covers the vehicle no matter who is driving. I am taking her to small claims court and want to know if I am under any legal obligation to have my insurance pay or can I sue her for the total amount. I have at least 10 text mesages where she admits fault and agrees to pay. Thank you.

Answer: For auto insurance the easiest method to get a low quote is do a policy comparison. Be sure to choose the same coverage levels, you can get an accurate quote to compare against others. Use the same coverage area, auto make and model, mileage and driving history to ensure you get accurate comparison. To get fast auto quotes, go to http://www.autoadviceonline.com/Free-Auto-Insurance-Quote.html and you can compare all the major auto insurance companies.

Question: whats the cheapest auto insurance company?
i live in arizona and need cheap cheap isurance

Answer: I recommend you locate a nearby auto insurance agent to help. Since I live in Mississippi I can't suggest an agent in Arizona, but here is an website that can help you. http://www.autoadviceonline.com/Auto-Insurance-Quote.html Good Luck!

Question: Arizona Auto Title Law?
I live in Arizona and I was wondering if I need to put insurance on a car after putting the Title in my name the car has not been through emissions yet for about 3 years I bought the car and I need a ignition key for it thats it and i was told by the seller it ran it just needed the key and a back window I have heard of a person for getting a ticket for not having insurance on his car (But it was parked in a grocery store parking lot) so any hep will be appreciated well i found out i do have to have insurance on a car that is just parked at my house when the title is put in my namethanks everyone for the answers

Answer: For car insurance the quickest method to get a cheap quote is do a auto policy comparison. Be sure to choose the same coverage amounts, you can get an fast quote to compare against others. Use the same city/state, auto make and model, mileage and driving history to ensure you get accurate comparison. To get mulitple auto quotes, go to http://www.autoadviceonline.com/Auto-Insurance-Quote.html and you can compare the major auto insurance companies.

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