Arizona Auto Insurance Quotes

If you're looking for Arizona auto insurance quotes, you're at the right site. Here, you'll find information about the auto insurance laws and regulations of Arizona and have access to auto insurance quotes from dozens of insurance carriers. Review this information about Arizona auto insurance laws to ensure that you purchase the proper coverage for your vehicle.

Arizona Auto Insurance Minimums

In the state of Arizona, liability insurance is required for all vehicles.  Minimum coverage amounts are $15,000 for bodily injuries for one person in an accident, $30,000 for all bodily injuries in an accident, and $10,000 for property damage.  These minimums are in place to ensure that driver medical expenses are paid and property damage is repaired after an accident has occurred.  Arizona drivers can choose to enhance their coverage by adding collision coverage or uninsured and underinsured motorist coverage to their policies.  However, uninsured motorist coverage is not required and a driver will be considered in compliance with financial responsibility laws as long as the minimum amounts of liability coverage are maintained.

Arizona Auto Insurance Laws

Some states require that auto insurance companies pay the medical expenses of their policyholders in the event of an accident, no matter who is at fault for the accident.  This is known as a no-fault state.  Arizona is not considered a no-fault state, so your insurance company is not required to pay your medical expenses if you get involved in an accident with a driver who has no insurance coverage or who is considered underinsured.  Purchasing uninsured and underinsured motorist coverage can help you to avoid having to pay these expenses out of pocket if you get into an accident with a driver who doesn't have the proper coverage.  Arizona also does not require motorists to purchase personal injury protection, so this additional expense can be avoided.

Arizona Proof of Insurance and Insurance Penalties

If you are stopped by a law enforcement officer, or are in an accident, you will asked to provide proof of insurance.  If your insurance company notifies the Motor Vehicle Division that your policy has been canceled, you will also be asked to provide proof of insurance.  Proof of insurance can be provided in the form of an insurance card, temporary insurance card, or copy of the liability insurance policy from your insurance carrier.  If you have moved to Arizona from another state, you must update your driver's license and purchase coverage from a company authorized to do business in Arizona.  If you have to remove your vehicle from the road for repairs, you may obtain a de-insurance certificate that will allow you to temporarily not maintain the required insurance on your vehicle.

If you are found to not have the required auto insurance coverage on your vehicle, your vehicle registration and driver's license may be suspended.  In order to reinstate your license and registration, you will have to pay reinstatement fees and file future proof of financial responsibility with the Motor Vehicle Division.