Whether you are a long time resident of Arizona or are thinking of moving there in the near future it is important to know the minimum car insurance requirements so you know that you will be well-protected in the event you are involved in an automobile collision. CarInsuranceQuotes.com understands that our customers are busy. That is why all the cheap car insurance quotes CarInsuranceQuotes.com finds for our customers meet the minimum Arizona state requirements. Just by entering your Zip code and answering a few general questions, CarInsuranceQuotes.com will search our partners to find you several quotes that you can choose from. And best of all, the service is free!
Though the average car insurance premiums for the sate of Arizona dropped from $1929 in 2006 to $1910 in 2007, it is still higher than the national average of $1896. It is important to remember that these are averages, and that there are many factors included in figuring the insurance premiums you pay, such as your driving record, credit record and the type of car you own.
Arizona Car Insurance Coverage
Arizona requires its residents to carry a minimum liability policy. The coverage in the policy is to help ensure that the at-fault party is able to cover the other party’s medical expenses and property damage in the event of an accident. The minimum Arizona car insurance requirements are set at 15/30/10. The first two numbers represent the amount of bodily injury liability coverage that is required and the third number represents the amount of property damage liability that is required.
• Bodily Injury Liability- The state of Arizona requires that each person carry $15,000 to cover the medical expenses per injured person with a $30,000 limit per accident for all persons.
• Property damage Liability- Property damage liability covers damage to the other party’s vehicle, or other property such as buildings and road signs. In Arizona, the minimum property damage liability coverage is set at $15,000.
While these are the minimum state requirements for the state of Arizona, it is highly recommended that residents of the Grand Canyon State carry more than the minimum required insurance. In the event that the monetary damages exceed the insurance limits, the at-fault party will be held responsible to cover the expense.
While it is not a requirement in the state of Arizona to carry Comprehensive and Collision, it is also highly recommended to pay for damages to the vehicle of the at-fault party or any damage caused by wildlife or acts of nature, such as hail or falling tree limbs.
Because Arizona is not a no-fault state, it is also not a requirement to carry Personal Injury Protection (PIP). Personal Injury Protection will pay for damages to the insured vehicle regardless of who was at fault in the accident.
Another insurance coverage that is not required in the state of Arizona but is still recommended is Uninsured/Underinsured motorist coverage. This type of coverage will cover the insured party in the event that the at-fault party fails to provide sufficient insurance coverage to pay for damages to the other party’s vehicle.
No matter what kind of auto insurance policy you are looking for, CarInsuranceQuotes.com can find you the best quotes from highly respected car insurance companies online. CarInsuranceQuotes.com searches reputable companies such as AIG, Progressive and esursance.com to find low priced insurance quotes that will allow you to pick the policy that suits your needs from a company you can rely on. Visit CarInsuranceQuotes.com every time you need a quote on Arizona car insurance.