Arizona Auto Insurance

Arizona is a tort state and by this we mean that they hold drivers liable for any damages caused in an accident. A tort system of insurance requires drivers to carry mandatory liability coverage, but Arizona auto insurance is unique in that you can bypass this requirement by depositing a $40,000 amount into a certificate. This certificate basically vouches for your financial responsibility. Most people opt for purchasing auto insurance instead, as the certificate is too much of a financial burden.

Arizona Auto Insurance Requirements

Arizona auto insurance liability minimums are some of the lowest in the country, but that doesn't mean that coverage comes cheap. The State of Arizona requires 15/30/10 in coverage, which translates to $15,000 for personal medical expenses, $30,000 for two or more people’s medical costs, and $10,000 for property damage expenses caused by an accident for which you're at fault. Since the minimums are so low, it is suggested to purchase additional coverage when buying car insurance in Arizona.

Arizona alsos offer additional coverage, such as uninsured/under-insured coverage but these are not mandatory. However, you should strongly consider purchasing additional coverage in order to protect your finances in the event that you are in an accident caused by an uninsured driver.

Auto Insurance Premiums in Arizona

Arizona ranked 13th against the other states on amount of money spent on car insurance in 2003. Arizona residents spent on average $502.58 on liability coverage, $318.85 on collision coverage, and $233.52 on comprehensive coverage for their auto insurance in 2003. For all of that year, on average Arizona auto insurance cost residents $920.38, making it one of the more expensive states to purchase car insurance coverage.

In Arizona, auto insurance rates are determined by the amount of money it will cost the insurance company to insure the entire driving population of the state, and then several other variables are factored in. Some of the other considerations used to determine individual premiums are age, location, driving record, and make/model of the car driven. Not all insurance companies calculate car insurance rates the same way, either. A driver may receive reduced rates for things like a good driving record and for driving a non-sporty vehicle.

Arizona Auto Insurance Carriers

Drivers in Arizona have a wide variety of highly-rated companies to choose from and rates may vary widely from carrier to carrier.

Arizona Auto Insurance Contact Information

Arizona Department of Insurance
2910 N. 44th St.
Suite 210
Phoenix, AZ 85018-7269
Phone: (800) 325-2548

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For other Arizona Insurance Resources, See:

• Arizona Health Insurance
• Arizona Home Insurance

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