How much is car insurance per month in Arizona?

The state of Arizona requires all drivers to carry minimum liability insurance on their cars. The state requirements are the minimum but many people choose to carry more coverage to protect themselves and their property. Golf carts, motorcycles, and mopeds are also required to be insured if driven on public roads.

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The minimum liability requirements for Arizona are $15,000 per person and $30,000 per accident. Arizona also requires $10,000 in property damage coverage to pay for vehicles or other property damaged in an accident.

Who is liable in a car accident in Arizona?

Arizona operates under the tort liability system of law. This means that in any accident, one driver will be declared liable for the damages, or at-fault. The at-fault drivers insurance will have to pay for the cost of damages to the victims car, and if the liability limits are not enough to cover the damages, then the at-fault driver will be held personally responsible, and can have assets such as houses, cars, or money seized to pay the costs.

Proof of Insurance is Required

All drivers in Arizona are required to carry current proof of insurance when driving. If a driver is not able to produce proof of insurance, the Motor Vehicle Department (MVD) may suspend the drivers license. Anyone with a suspended license will be charged a fee for reinstatement and must file an SR-22 form with the state, essentially placing the driver in a high risk driving category with the insurance company. Many companies will refuse to insure a driver with an SR-22 on file.

However, Arizona does offer a seven-day grace period before cancellation. This means that if you are late with your premium payments, your insurance company cannot cancel your coverage until the 8th day after your payment is due. This helps people who may have a little trouble meeting their financial obligations, or simply forget to make the payment on the due date. It will not, however, prevent license suspension if you are more than a week late paying your insurance premiums. Insurance companies can also demand full payment if you are late on a monthly payment plan.

Non-Arizona Residents

If you are driving through Arizona but are not a resident, you must also produce proper proof of insurance. Not only must your liability limits meet Arizonas standards, but the company you use must be licensed to sell policies in Arizona. If you are visiting Arizona on a short-term basis, you may apply for a de-insured vehicle certificate, which allows you to legally park your car, even if you do not have the proper insurance qualifications. However, you cannot operate your car on the public roads until you meet the minimum insurance requirements. The de-insured vehicle certificate is designed mainly for service personnel or others who will be physically located in the state and need to store a car, but do not have a need to drive.

Random Facts about Arizona Car Insurance

Uninsured motorist accidents do occur in Arizona, and drivers are not required to carry uninsured motorist coverage. However, if you have it, you can seek information about the other drivers insurance status by applying to the state if you are involved in an accident.

Arizona allows car insurance companies to use your credit score in determining premium rates. If you have a poor credit history, you can expect to pay more for car insurance in Arizona.

How much is car insurance per month in Arizona?

Arizona has one of the lower average annual premiums in the nation, at $1,280 per year. The national average is $1,561. However, the average may not be indicative of your individual costs. Each driver is assessed premium rates based on which company is the insurer, the individuals driving record, and other information such as age, location, and type of vehicle. If you live in a relatively unpopulated area, your insurance rates will likely be lower than metropolitan areas such as Phoenix.

You can find competitive car insurance rates by comparing quotes from various companies. Major companies licensed to do business in Arizona include Allstate, GEICO, State Farm, and Progressive. You can also find policies from many smaller companies and local insurance firms. If you are unsure whether your insurance company is licensed in Arizona, visit the Arizona Department of Insurances website and look up your companys name on their search feature. You can also view details of any company licensed in the state with which you are considering insuring your car. If you are moving from out of state, be sure to discuss your policy with your agent to confirm that it meets Arizonas requirements for liability minimum coverage.

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