Arizona Minimum Coverage Car Insurance: Requirements and Costs (2024)

Arizona's state minimum car insurance requirements include a bodily injury liability of $25,000 per person and $50,000 per accident, alongside $15,000 for property damage liability. Arizona follows an at-fault insurance system, meaning the driver who causes the accident is responsible for the damages. Therefore, having at least the minimum coverage auto insurance is not just a recommendation but a legal imperative.

The monthly cost for the minimum coverage auto insurance in Arizona hovers around $44. Drivers should also assess their needs and consider if additional coverage is necessary. Drivers looking to explore their options further, will be served well with details on the minimum car insurance requirements and advice on obtaining the cheapest car insurance in Arizona.

In Arizona, the minimum car insurance coverage that drivers must have to legally operate a vehicle includes:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $15,000 for property damage liability per accident.

Arizona operates under a fault insurance system, where the driver deemed at fault for an accident is responsible for covering the damages through their insurance provider. Being a fault state affects your premiumbecause insurance providers consider the likelihood of paying out claims based on the fault assigned in accidents.

Your insurance coverage is therefore particularly important to protect you financially in case you're found at fault in an accident. Without adequate coverage, you could be personally liable for costs exceeding your policy limits.

The table reflects the Arizona state minimum car insurance requirements, including bodily injury and property damage coverage. Specific coverage details are governed by the terms of your personal insurance policy.

Age is among the most significant factors influencing the cost of minimum coverage car insurance. In Arizona, drivers aged 22 to 29 face the highest premiums, likely because they are considered less experienced and more prone to accidents compared with other age groups.

The table below presents the average minimum coverage cost in Arizona by age group.

The most affordable companies providing minimum coverage auto insurance in Arizona are

• Mercury: $387 per year; $32 per month
• Auto-Owners: $423 per year; $35 per month

Saving on car insurance is important, but also consider selecting the right coverage tailored to your specific needs by weighing the best car insurance options in Arizona to secure protection that aligns with your personal situation.

In Arizona, optional add-on coverages include uninsured/underinsured motorist coverage, collision coverage, comprehensive coverage, medical payments coverage and rental reimbursement. These coverages offer additional protection for circumstances like accidents with drivers who lack sufficient insurance, vehicle theft or damage from natural disasters.

Choosing the right add-ons to complement your state minimum coverage can safeguard your finances. To figure out how much car insurance you need, consider your circumstances and the potential risks you face on the road.

The cost of a ticket for driving without insurance in Arizona can vary, especially if it's not your first time being caught. For a first offense, the penalties include a fine and possible suspension of driving privileges. If you're caught again, the consequences grow stricter and may include even higher fines.

• Vehicle impoundment with associated fees – Your vehicle may be held somewhere, adding extra fees to retrieve it.
• Vehicle registration suspension – The state may suspend your car's registration.
• Driver's license suspension with a reinstatement fee – Your driving privileges may be taken away for a period.
• Mandate to carry an SR-22 certificate – You could be mandated to carry this certificate as proof of future financial responsibility.

Driving with at least the minimum coverage is a legal requirement in Arizona. Keeping up with insurance laws protects you, your vehicle and everyone on the road. Not staying insured can lead to punishments that affect your finances and freedom to drive. Stay on the right side of the law to avoid these severe penalties.

If your car insurance policy is canceled in Arizona, immediately stop driving and seek new insurance coverage to avoid the legal consequences of driving uninsured. Contact your insurance agent to understand why your policy was canceled and to explore if it can be reinstated or if you'll need to find a new provider. Maintain at least the minimum car insurance coverage as required by law.

The Arizona Department of Transportation (ADOT) will be notified of your lack of insurance through the state's electronic insurance verification system. If you continue to drive without insurance, you could face penalties, including fines, license suspension and vehicle impoundment.

To obtain new coverage after a cancellation, shop around for insurance quotes from different companies. In Arizona, there is no specific government program like TexasSure for drivers struggling to get insured. But Arizona car owners may look into the Arizona Automobile Insurance Plan, which helps high-risk drivers get the required coverage.

Here, you'll find concise answers to common questions about Arizona's state minimum car insurance requirements.