Arizona auto insurance

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Protecting yourself with Arizona auto insurance

Some of the top industries in Arizona include information technology, financial services and healthcare. If you have a job in any of these sectors, you probably have to commute to work, but doing so can be perilous if you don’t have Arizona auto insurance. This is especially true given that the state’s average commute time is 25.7 minutes and only 1.8% of Arizonans say they utilize public transit. Insurance is essential to protect your car, yourself and your passengers if you were to get into an auto accident.

Frequent accidents in Arizona

If you maintain safe driving practices, you might assume that you're not going to get in an accident. It’s true that you can significantly lower your liability with defensive driving strategies but Arizona accident statistics prove that you can never entirely eliminate the risk. Some of the most alarming facts and figures include the following:

       There are more than 121,000 crashes annually in Arizona.

       More than 1,000 of those crashes cause a fatality.

       Fatalities in Arizona recently reached a 15-year high.

       29% of auto accidents result in injuries.

You can avoid joining these statistics by exercising caution on the road, but you can’t control variables such as other drivers’ actions or road conditions. Indeed, the likelihood of an accident may be exacerbated by factors such as Arizona’s poor road quality. Insurance protects you against unexpected risks like these, and VIU by HUB gives you the ability to easily compare quotes.

Arizona auto insurance state requirements

Getting auto insurance in Arizona is more than just a wise move; it’s also required by the Arizona Department of Transportation.

Liability Coverage is the most essential type of auto insurance because it protects you from the financial consequences of an at-fault accident. Like most states, Arizona has specific requirements regarding Liability Coverage that drivers must maintain. These requirements follow the 20/50/15 structure, which indicates that drivers must maintain the following coverage at a minimum:

       $25,000 for death or injury to one person.

       $50,000 for death or injury to two or more people.

       $15,000 for Property Damage Liability.

Drivers who do not have adequate Arizona auto insurance may face a range of penalties, including the suspension of their vehicle registration or driver’s license. In this case, the driver will also incur fees to reinstate their license and registration.

Average auto insurance rates for Arizona

How much can Arizonans expect to pay for their auto insurance? While the national average is $2,014 annually for full coverage, Arizona auto insurance costs just $1,801 annually for full coverage. This makes it the 14th most expensive state for insurance in the United States.

Arizona drivers who don’t opt for full coverage can expect to pay about $622 every year for the state minimum insurance coverage. Finding the lowest premiums is easy when you use VIU by HUB to see quotes from multiple insurance companies.

Understanding your auto insurance quote

Although these figures can help you understand what to expect from Arizona car insurance prices, there are a multitude of variables that may make your quote higher or lower than the state’s average. Some of the variables that an insurer will take into account include:

       Credit history.


       Highest degree earned.

       Whether you’re married.

       Prior history of claims.

       Any traffic tickets.

       Any at-fault accidents.

Your gender or marital status may not seem relevant to your car insurance, but these traits help insurers calculate your overall risk more accurately. This is why it’s important to submit your auto insurance application with complete and honest answers.

Investing in protection against additional liabilities

In addition to state minimum liability insurance, Arizona drivers can benefit from coverage that accounts for other risks on the road. Unfortunately, Liability Coverage is not always enough to ensure that you’re protected, but enhancing your coverage can shield you from the financial fallout that often follows an accident.

Uninsured or Underinsured Motorist

According to the Insurance Information Institute, nearly 12% of Arizonan drivers do not have auto insurance. This should be a major concern for any other driver on the road because it could leave you stuck with the bill for damages and injuries that weren’t your fault. Luckily, Uninsured or Underinsured Motorist coverage can mitigate this risk.

While state law does not require you to purchase this coverage, the law requires that every insurance company offer it to their auto insurance clients. This coverage pays for expenses when you are hit by an at-fault driver who either didn’t carry insurance (uninsured) or didn’t carry enough insurance to address all the medical bills or car repair costs (underinsured).

Medical Payments

Thousands of people are injured every year in Arizona as a result of auto accidents. The medical bills associated with these injuries can easily be thousands of dollars or more. State minimum insurance won’t cover these costs, but adding Medical Payments coverage to your policy will ensure that you and your passengers are protected in this instance.

Comprehensive Coverage

Comprehensive Coverage refers to insurance that includes damage that doesn’t result from a collision with another vehicle or object. If your car happens to sustain damage as a result of a severe weather event, vandalism or flooding, you will need Comprehensive Coverage to take care of the costs. This type of insurance is not mandatory in the state of Arizona, but if you are financing your car, your lender may require it.

Collision Coverage

Collision Coverage is advantageous for many reasons. If you are involved in an accident that is not your fault, you may assume that the other driver’s insurance will cover all of your expenses. Unfortunately, this isn’t always the case. Collision coverage accounts for this possibility and provides protection against the cost of replacing or repairing your vehicle — no matter whose fault the accident was.

This information is intended for general informational purposes only and is not intended to constitute legal advice.



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Arizona Department of Insurance and Financial Institutions

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Insurance Information Institute

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