Arizona Car Insurance Requirements 2022
Get affordable Arizona auto insurance quote rates for free. Arizona Car Insurance Requirements 2022 – Car Insurance The bare minimum car insurance requirement for Arizona
Arizona is home to thousands of miles of roads, stretching from Fredonia to Nogales, Yuma to Bowie, Bullhead City to Winslow. They’ll transport you to the urban centers of Phoenix and Tucson, as well as to ski areas in Flagstaff and the magnificent Sonoran Desert.
They are used by approximately 5 million licensed drivers every day, many of whom are involved in thousands of collisions that cause significant injury or death. Anywhere you reside and drive in the Grand Canyon State, having enough auto insurance is a must and a sensible precaution. This is your guide to the fundamental regulations and requirements for auto insurance in Arizona.
You are required by Arizona state law to maintain a certain level of automobile insurance. If you don’t, you risk receiving harsh punishments, such as cash fines and jail time. In accordance with Arizona’s tort law, you can also be responsible for actual damages (such as medical bills and property damage costs), economic damages (such as lost wages and earning potential), and pain and suffering on a mental and physical level.
The bare minimum car insurance requirement for Arizona drivers is:
- $15,000 bodily injury per person per accident
- $30,000 bodily injury for all persons per accident
- $10,000 property damage liability
Arizona does not require you to carry additional coverage such as Uninsured/Underinsured Motorist, personal liability or Collision and Comprehensive. However, if you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
Fines for Not Having Arizona Auto Insurance
Arizona law mandates that you always keep proof of your auto insurance on hand and be prepared to produce it upon request from police authorities. A first-time offender faces a $500 fine and a three-month license suspension. Heavy fines and suspensions are imposed for subsequent offenses. Repeat offenders may be forced to give up their license, plates, and registration. Fees for reinstatement may be charged. If you are uninsured and your car is involved in an accident, you could also face towing and storage fines and have your car seized.
Arizona compels insurance providers to enter information about private automobile insurance into its database. You will be informed if you don’t have insurance and given 30 days to show Arizona auto insurance documentation. Your registration could be suspended if you don’t comply.
Arizona conducts arbitrary survey checks on registered car owners’ insurance statuses and imposes the same fines as before.
Arizona Car Insurance Premiums
Although Arizona is the 3rd least safe state regarding driving in the country, Arizonians on average, only pay about 6% more for car insurance than the rest of the U.S.
*Defined as the annual cost of insurance regardless of the mix of coverage (liability, comprehensive, collision)
Vehicle insurance premiums are regulated by the Arizona Department of Insurance. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
- The type of car you are insuring
- Prior auto insurance coverage
- How much you drive
- Your driving record
- Your age
- Your gender
- Your marital status
- Your geographic location
- How long you’ve been driving
- Whether or not you use your car for business
Arizona also allows insurers to consider your credit history to determine your premium.
How To Get The Cheapest Arizona Car Insurance Policy
You may be able to lower the cost of your premiums in the following ways:
Multi-line: ask about available discounts for good driving habits, anti-theft devices, multiple cars on one policy, bundling your car insurance with your homeowners or renters policy, automatic or online payments, and driving a hybrid or electric car
Online comparison: compare quotes from a variety of providers on this website
Low-cost auto insurance program: check to see if you qualify for any low-cost auto insurance program your state may offer
Telematics: install a device in your vehicle or download an app that monitors your driving, and receive discounts up to 15% based on your driving tendencies.
Distant Student: if your child attends school more than 100 miles from home, you could qualify for a discount.
Retirement Community: drivers that are above 55 years of age with a legal residence within a retirement community are eligible for a discount.
Youthful Driver: drivers that live in a household where there are other drivers that are under 24 years of age, could be eligible for a discount.
Arizona’s New Driving Laws
Laws governing driving and auto insurance are subject to regular modification. It is your duty to remain knowledgeable about Arizona legal standards. The following legislation were recently passed in Arizona and could have an impact on your choice of the insurance policy.
Speeding and at least two of the following are now included in Arizona’s definition of “aggressive driver behavior,” in addition to failing to obey traffic signs, passing on the right while in a regular lane of traffic, unsafe lane changes, following too closely, failing to yield the right of way, and posing an immediate threat to other people or vehicles.
According to Arizona law, driving privileges are revoked for any felony that involves the use of a vehicle, for lying about the ownership or operation of a vehicle, for failing to stop and provide aid in the event that you were involved in a traffic accident, and for a drive-by shooting.
If you are convicted of reckless driving or highway racing twice or more in Arizona, your driving permission will be suspended.
The weight of a kid is a key factor in many states’ legislation regarding child transportation safety. According to Arizona law, children under the age of five must ride in a car seat, and those between the ages of five and eight who are shorter than four feet nine inches must use a booster seat.
No amount of alcohol is exempt from being cited for driving while intoxicated.
If your license plate holder obscures the state name on the plate, citations may be given.
A helmet is necessary for motorcyclists under the age of 18, but not for those over that age.
Drivers that enter an area that is known to be flooded and then need emergency assistance are punished.
Teen Driving in Arizona
In order to help drivers obtain valuable experience, the Grand Canyon State has a phased approach that enables them to participate in actual driving situations. Arizona residents can acquire an unrestricted driver’s license after the procedure is finished.
A teen may submit an application for a progressive instruction permit at the age of 15 years, or 6 months. They would have to take written knowledge and eye exams, attend a nearby exam center with a parent, and pass the exam. Teenagers who have graduated instruction permits may:
can drive if a licensed driver who is at least 21 years old is present.
is necessary to practice driving for at least 30 hours under supervision, 10 of which must be at night.
Teenagers can apply for a graduated driver’s license once they become 16 years old, have held a graduated instruction permit for at least six months, and can show proof that they have logged 30 hours of practice driving. They must also pass a driving test while operating a vehicle. Teenagers who hold a graduated license include:
not permitted to drive alone between the hours of midnight and five in the morning (some exceptions are granted).
prohibited from operating a vehicle without at least one parent or legal guardian present, or without more than one passenger who is under the age of 18.
The teenager may drive without limits until the age of 18, at which point they can apply for a Class D driver’s license, provided they have no suspensions during the first six months of using a graded license.