What auto insurance coverage is required in Arizona?

Minimum levels of financial responsibility are: $25,000 bodily injury liability for one person and $50,000 for two or more persons. $15,000 property damage liability.

What are the minimum car insurance requirements in Arizona?

Arizona Minimum Car Insurance FAQ

To drive legally in Arizona, you must carry a policy with a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $15,000 in property damage liability coverage.

What is considered full coverage insurance in Arizona?

Full coverage insurance in Arizona is usually defined as a policy that provides more than the state’s minimum liability coverage, which is 25000 in bodily injury coverage per person, up to 50000 per accident, and 15000 in property damage coverage.

Which type of automobile insurance is legally required?

Almost every state requires drivers to purchase liability coverage, though a few states allow drivers to forego insurance if they can show that they have the financial resources available to pay damages in the event of an accident.

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Do I need uninsured motorist coverage in Arizona?

No, uninsured motorist coverage is not required in Arizona, as drivers can reject the coverage in writing. Still, insurance companies are required to offer at least $25,000 in uninsured motorist bodily injury coverage per person (up to $50,000 per accident).

Does insurance follow the car or the driver in Arizona?

“Generally speaking, in Arizona, automobile insurance follows the car, not the driver.” Most auto insurance policies will cover someone else driving your vehicle as long as they have a valid driver’s license.

What happens if you don’t have car insurance in Arizona?

Penalties for Driving Without Insurance

For all citations, you can anticipate three specific penalties: (1) a fine of at least $500; (2) driving privileges suspended; and (3) an SR-22 requirement for 2 years. To note, the court can attach additional fees and penalties regardless if it was your first or fifth offense.

How much is car insurance per month in Arizona?

Average Phoenix Car Insurance Rates

Coverage Men Women
Comprehensive $92 $91
Total Cost Per Year $1,126 $1,178
Price Per Month $94 $98
These average rates are based on our sample quote data. 1

Why is Arizona car insurance so expensive?

Car insurance in Arizona is expensive because the state has higher than average traffic fatalities, with 1.4 deaths per 100 million miles driven (compared to the national average of 1.1). … As the cost of providing insurance goes up, the premiums insurers charge also rise.

Who has the best car insurance rates in Arizona?

The best car insurance companies in Arizona

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Car insurance company Average annual minimum coverage premium Average annual full coverage premium
American Family $685 $1,288
Geico $326 $916
State Farm $523 $1,232
The Hartford $506 $1,257

What state has no car insurance?

Virginia and New Hampshire are the two states with unique car insurance laws. There are only two states where car insurance is not mandatory: Virginia and New Hampshire. This is because each state sets its own limits and requirements for the minimums of car insurance a driver must carry when they have coverage.

What happens if I reject uninsured motorist coverage?

What happens if I reject uninsured motorist coverage? Some states require companies to automatically include uninsured motorist coverage, and drivers can reject it when receiving a car insurance quote. If you reject this coverage, you simply lose coverage for accidents caused by uninsured drivers.

Can my son drive my car if he is not insured?

If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy. The reason is that car insurance follows the car, not the motorist. This fact has ramifications for you as the owner of the insured car.

What does uninsured motorist cover in AZ?

Uninsured Motorist coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has no liability coverage.

What do most insurance policies include?

While different states mandate different types of insurance and there are several additional options (such as gap insurance) available, most basic auto policies consist of: bodily injury liability, personal injury protection, property damage liability, collision, comprehensive and uninsured/underinsured motorist.

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Is Umpd offered in AZ?

No, you do not need uninsured motorist property damage (UMPD) insurance in Arizona. In fact, drivers in Arizona do not even have the option to purchase UMPD coverage.

With confidence in life