Car Insurance in Arizona – Best Auto Insurance in Arizona

Car Insurance in Arizona: Arizona requires all drivers to show economic responsibility to cover for the damages they may cause in an accident.
Car Insurance in Arizona
Car Insurance in Arizona
This can be in one of the following ways:
  • Show proof of liability insurance.
    OR
  • Have a $ 40,000 certificate of deposit assigned to the Office of the Treasurer of the State of Arizona

You must show this proof as soon as you become an Arizona resident. Residence in AZ (for its acronym in English) is established with any of the following:

  • Work in Arizona
  • Register to vote in Arizona.
  • Be in Arizona for at least seven months in a calendar year.
  • Pay the enrollment of children or yourself within the state.
  • Own an Arizona-based business with vehicles within the state.
  • Owning a business that transports people or materials with Arizona.

In addition to liability insurance, Arizona auto insurance operators offer some types of optional coverage, as well as several discounts to save you money.

Proof of economic responsibility

In Arizona, you must prove your financial responsibility, which means that you must show that you can pay for the damages in case of an accident.

Car Insurance in Arizona
Car Insurance in Arizona

Most people choose to do so by showing proof of Arizona auto insurance; however, the state of AZ accepts a payment of $ 40,000 as proof of this responsibility. If you are stopped driving without the test, the first time you can face the following:

  • A fine of at least $ 500.
  • The suspension of the license/registration for three months.

Subsequent violations will result in more serious and higher penalties.

Liability insurance

If you choose to verify your financial responsibility through auto insurance, you must take civil liability insurance with you.

Liability insurance helps you pay for damage to the property of others and injuries received by other drivers in an accident for which you are guilty.

The amounts required for civil liability coverage in Arizona are:

  • Coverage of bodily injuries:
    • $ 15,000 per person.
    • $ 30,000 total per accident.
  • Property damage coverage:
    • $ 10,000 per accident.

You can buy a broader coverage of auto insurance by increasing your limits and adding optional coverage.

Secure with own funds

As mentioned before, you can choose not to have insurance by keeping $ 40,000 in a certificate of deposit (CD) account assigned to the Arizona State Treasurer’s Office.

For more information on how to open an account, contact the Office of the Treasurer of the State of Arizona at (602) 542-7800.

Optional Car Insurance in Arizona

Auto insurance agents in Arizona also offer a variety of optional types of insurance coverage that provide extra protection.

Car Insurance in Arizona
Car Insurance in Arizona

The optional types of common car insurance coverage include:

  • Coverage for crashes: this coverage pays for the damages you cause to your vehicle.
  • Coverage for all risks: pay for damages to your car caused by external factors such as theft, whether or wildlife.
  • Coverage for uninsured and underinsured drivers: pays for damages or injuries caused by drivers without auto insurance or whose insurance limits do not cover your costs.
  • Medical expenses coverage: provides additional coverage to pay for medical expenses.
  • Rental reimbursement coverage: reimburses the cost incurred when you need to rent a car after an accident.
  • Full glass coverage: pays for repairs and replacements of the windshield and other glass.

NOTE: If your car is financed or leased, you may be required to purchase a coverage for collisions and full-risk coverage.

The proof of insurance in AZ

You must show proof of insurance when:

  • Register your car in AZ.
  • You are stopped by a police officer.
  • You are involved in a car accident.

The accepted proof of insurance forms include:

  • An insurance card from your Arizona auto insurance company.
  • A copy of your car insurance policy.

A photo of your insurance card on a mobile device.

Insurance violations and penalties

Car Insurance in Arizona
Car Insurance in Arizona

If you drive without auto insurance in AZ, your driver’s license and vehicle registration can be revoked. The Arizona Department of Transportation (ADOT) is notified electronically of the suspension, cancellation, and non-renewal of auto insurance policies and will contact you if your insurance is no longer valid.

If your Car Insurance in Arizona has been suspended or canceled by mistake :

  • Contact the Arizona Department of Insurance in writing within 10 days of the cancellation for your objection.
  • Send your letter by postal service to:

Director of Insurance
State of Arizona
Department of Insurance
100 N. 15th Avenue
Suite 102
Phoenix, AZ 85007

Restoration of driver’s license or registration

If your AZ license and registration have been suspended due to not having auto insurance, the ADOT will require:

  • reinstatement payment:
    • Per a suspended license: $ 10 plus a payment for the application.
    • For revoked license: $ 20 plus a payment for the application.
  • payment for the application:
    • From 16 to 39 years old: $ 25.
    • From 40 to 44 years old: $ 20.
    • From 45 to 49 years old: $ 15.
    • 50 years old and up to $ 10.
  • Proof of future economic responsibility.
  • SR-22 certification.

SR22 certification in Arizona

An SR22 certificate is the most common proof of future financial responsibility.

In Arizona, SR-22 is required to reinstate the driver’s license or vehicle registration after a suspension or revocation due to the following violations :

  • Not having the minimum liability coverage.
  • A violation of alcohol or drugs, for example, DUI (for its acronym in English).

If you are required to have an SR-22, your insurance company must file it with the ADOT Motor Vehicle Division, usually for a period of three years.

An SR-22 form can be expensive, and the longer you need it, the more expensive it will be. The best way to avoid this requirement is by keeping coverage and driving carefully.

Regulation of Car Insurance in Arizona

Car Insurance in Arizona
Car Insurance in Arizona

Arizona auto insurance is regulated by the Insurance Department of that state. This department can help consumers who have questions or concerns. It also includes a fraud investigation unit.

Assistance to consumers in AZ

If you have a problem or concern with your auto insurance company in AZ, the Arizona Department of Insurance recommends that you contact your auto insurance provider first and explain your concerns.

If you are not satisfied with the solution offered by your auto insurance company, then you can request an investigation from the insurance department.

You can contact the Arizona Department of Insurance by mail or phone :

  • By mail:
    • Consumer Services Division
    • Arizona Department of Insurance
    • 100 N. 15th Avenue.
    • Phoenix, AZ 85007
  • By telephone: (800) 325-2548.

When you contact the insurance department, include all the relevant facts of your concern about your auto insurance.

Report insurance fraud in AZ

Insurance fraud can include:

  • The presentation of false claims.
  • The falsification of insurance documents.
  • The sale of insurance without a license.

If you suspect an auto insurance fraud in Arizona, you can report it to :

  • The AZ Department of Insurance Fraud Unit: (602) 364-2140.
  • The National Insurance Crime Bureau: (800) TEL-NICB ((800) 835-6422)

The National Bureau of Insurance Crimes (NICB) also accepts reports by text message. Send a “FRAUD” message to TIP411.

Arizona car insurance rates

Arizona auto insurance rates, or premiums, are based on many factors, including:

  • The credit report.
  • The driving record.
    • This may include driving records of other drivers who live with you.
  • Your cars:
    • The brand.
    • The model.
    • Year.
    • The usual place of location.
  • Age.

These factors can increase or decrease your auto insurance rates in Arizona.

Credit report and Car Insurance in Arizona

Auto insurance companies in Arizona are legally authorized to use your credit report to help you determine the insurance rate that will be quoted.

Most auto insurance agencies will use an insurance score, which is based on your credit, to determine your auto insurance rates.

poor insurance score can result in a denial of coverage or a cancellation of insurance coverage .

Violations of traffic laws

Traffic violations can increase your insurance rates because they appear in your driving record. The violations that appear in your history include, but are not limited to:

  • DUI / DWI violations.
  • Drive recklessly.
  • Run away from an accident
  • Speeding.
  • Do not stop at a stop sign.

Your auto insurance company may not see violations in your history that occurred 40 or more months ago.

Maintaining a blank driving record can result in cheaper insurance rates.

Car Insurance in Arizona for high-risk drivers

Car Insurance in Arizona
Car Insurance in Arizona

If you can not find an auto insurance agent in Arizona that gives you coverage, the state has an assigned risk plan that ensures high-risk drivers. If you are a high-risk driver, the assigned risk plan guarantees that you can obtain the minimum coverage required, even when the company rejects you.

The rates for assigned risk plans are high, so you should look for as much as you can before you go this way to get coverage.

You can apply for coverage under the Arizona Auto Insurance Plan (AAIP) through any duly authorized agent or auto insurance broker.

car insurance discounts in AZ

Many auto insurers in Arizona offer discounts that can help you get the cheapest rate for your auto insurance.

The discounts offered and the amount you will save vary from company to company.

When you make auto insurance comparisons, ask about possible discount rates for :

  • Multiple vehicles in a policy.
  • Multiple policies with a single insurance company.
  • Drivers without accidents.
  • Good grades for student drivers.
  • Security features in your car, such as an airbag.
  • Anti-theft features in your car.

To get affordable rates in Arizona, be sure to compare auto insurance quotes from multiple companies, consider a high deductible and drive carefully.

The most stolen cars in Arizona

According to in 2013 the most stolen cars in Arizona were the following:

  1. Honda Accord.
  2. Honda Civic.
  3. Chevrolet pickup (large size).
  4. Ford Pickup (large size).
  5. Dodge pickup (large size).
  6. Nissan Altima
  7. Nissan Sentra
  8. Toyota Camry.
  9. Jeep Cherokee / Grand Cherokee.
  10. Nissan Maxima

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