Arizona Car Insurance
Best known for the Grand Canyon and hot summers, a desert landscape that is filled with beauty, and the many roads to drive through and enjoy, welcome to Arizona. The state also has caves for people to check out and is the sixth largest state in the United States. There is a spot in Arizona where you can stand in four states that the same time, Arizona, Colorado, New Mexico, and Utah.
Being the sixth largest state in the country and having many open roads, there are numbers of people in Arizona who enjoy driving just to drive and take in the beautiful sites around them. In addition, many people each year decide to visit the three national parks, six state forests, and 18 national monuments. There are also 28 state parks in Arizona. To visit these things, if you are traveling by car and driving, you will need to meet the insurance requirements of the state of Arizona to be driving legally.
Auto Insurance Requirements In Arizona
The minimum limits for automobile insurance, meaning the minimum amount of insurance that people need to carry in order to drive legally in the state, include bodily injury liability coverage with a minimum of $15,000 per person and $30,000 per accident. Also, the state requires property damage liability coverage in the minimum of $10,000. Other insurance coverages required in Arizona include uninsured motorist bodily injury coverage and underinsured motorist bodily injury coverage. Each of these is required in the amounts of $15,000 per person and $30,000 per accident. It is important to note that uninsured motorist coverage and underinsured motorist coverage can be rejected by talking to an insurance counselor in the state.
Many people choose to purchase additional automobile insurance policies, to help provide further coverage in these types of car insurance, but also in other ways. These include insurance policies like collision car insurance, comprehensive car insurance, lease gap auto insurance, roadside assistance insurance, and more. While not required, these auto insurance plans can help people save a lot of money in a variety of situations. Some people also choose to get higher amounts of liability coverage to better protect themselves as well.
Average Cost of Coverage in Arizona
Coming in at just below the national average, the average cost of insurance in Arizona is not bad compared to the national average. Prices can vary based on a number of factors, including a person’s driving record, the location a person lives in the state, and numerous other factors. Also, keep in mind that having different types of auto insurance coverage beyond the types required by law will add to the cost of your auto insurance policy.
Cheapest Car Insurance Companies In Arizona
Since each car insurance provider offers different rates for each person, depending on how they utilize the many factors that are used to determine premiums, it is a good idea to get insurance quotes from multiple companies that provide insurance in the state you live in. That said, some states have lower overall insurance quotes, which can help give a great place for people to start their search to find the best prices for car insurance.
In Arizona, Freedom National, Auto-Owners, State Farm, Farmers Insurance, and Titan Insurance, are some of the least expensive car insurance companies on average.
Cheapest Car Insurance In Arizona By City
The city a person lives and also has an impact on a person’s automobile insurance rates. Cities like Bullhead City, Douglas, Oro Valley, and others have lower rates. There are cities that are on the list of higher rates for car insurance as well.
Most Expensive Car Insurance In Arizona By City
Cities that have car insurance averages that are significantly higher than average include Glendale, Phoenix, Tolleson, and Peoria.
Laws, Rules And Penalties In Arizona
Penalties for driving without insurance in the state of Arizona are hefty, with the penalties for a first offense being a $500 fine and the suspension of your license and registration. Penalties get even more steep from there, with second offenses and subsequent offenses having harsher penalties for drivers.
How To Save Money On Car Insurance In Arizona
The path to finding the cheapest auto insurance plans in the state of Maryland start with researching the cheapest auto insurance companies. By finding the cheapest car insurance providers, you will know where to start when looking at car insurance quotes in the state. Using the free tools provided on this website, you can have easy access to free car insurance quotes to help you find the best prices on car insurance.