Auto Insurance in Arizona

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Arizona Auto Insurance

Shopping around for cheap auto insurance isn’t exactly anyone’s idea of a good time. At least it doesn’t usually make any Top 10 lists. But getting the coverage you need can make all the difference when (not if) something goes wrong. Having the right information on hand can make the shopping process a breeze! Grab a coffee or your beverage of choice and keep reading to find out everything you need to know about auto insurance in Arizona. 

Car Insurance Requirements in Arizona 

First priority: make sure any policy you’re considering meets the Arizona minimum auto insurance requirements. You’ll likely want to purchase coverage that goes beyond those minimums, but they’re the place to start if you want to be able to hit the road legally. 

  • Bodily Injury Liability: $15,000 of coverage for one person, and $30,000 of coverage for 2+ people
  • Property Damage Liability: $10,000 of property damage liability coverage

Basically, this means that if you’re determined to be at fault, your insurance will pay up to those amounts to other people who were injured or whose property was damaged in the accident. 

Is Arizona a No-Fault state? 

Arizona is NOT a no-fault state. It is a fault-based state; that means that anyone sustaining damages in an accident has to prove that someone else caused the accident and any injuries or damages resulting from it in order for the at-fault driver’s insurance company to be required to pay. In short? Whoever causes the accident is responsible for the damages. 

 

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Car Insurance Prices in Arizona

In Arizona, car insurance prices vary widely based on the age of the driver, their driving history, and the car they’re driving. Teenage drivers typically end up paying the most, with a comprehensive, collision, and liability policy running just over $4,000 per year. Those rates go down significantly as teens get older; rates steadily decrease through age 65 (here, the average policy is about $928 per year) then start increasing a bit more with age. 

 

<qa>1;Car Insurance for Young Drivers, New Drivers, and Teens;As you might expect, this category of drivers is the least experienced—and thus, they’re the most expensive to insure. Car insurance for 16-18 year olds in Arizona costs upwards of $4,000 per year for a comprehensive policy. Once drivers turn 19, those rates drop dramatically, though—down closer to $2,700. They go on a steady decline from there. </qa> 

<qa>2;Car Insurance for Students (18-24 year olds) in Arizona;College students in Arizona can expect to pay significantly less than their younger high school counterparts. Though the average 18 year old will pay $4,113 for a comprehensive policy, that price generally drops down into the $1,300 range by the time they turn 24. </qa> 

<qa>3;Car Insurance for 24+ Year Olds in Arizona;Who said getting older is boring? In Arizona (and most other states), car insurance prices just continue to drop as drivers become more experienced (and, therefore, generally safer). Between ages 24-55, rates stay steady somewhere around $1,200 per year. </qa> 

<qa>4;Car Insurance for 55 (and over) in Arizona;Once drivers hit the golden age of 55, rates start dropping a bit more. Between ages 55 and 65, the average auto insurance policy drops down below $1,000 each year, usually in the range of $900 or so. At 85, rates jump slightly, back just over $1,000 again. </qa> 

<qa>5;Car Insurance for Veterans in Arizona;If you’ve spent time serving your country in the armed forces, you might be eligible for unique discounts on your auto insurance. This varies by carrier, though, so when shopping around for quotes to compare, make sure to ask if they offer discounts for veterans at the same time. </qa>

 

AgeMost Popular VehicleGenderMost Common City
18 - 24FordMale - 55% | Female - 45%Anchorage
25 - 54ChevroletMale - 48% | Female - 52%Anchorage
55 - 64FordMale - 43% | Female - 57%Anchorage
65 +FordMale - 47% | Female - 53%Anchorage

* This information is based on Pretected.com users.

Traffic Violations and Fines in Arizona 

Some states are more stringent than others when it comes to traffic violations and fines. Here’s where Arizona stands. 

Speeding Ticket Cost in Arizona

If you’re driving 10 mph over the speed limit, you’re looking at a speeding ticket of $250. That fine increases by $50 for every additional 5 mph you speed—so if you’re driving 20 mph over the speed limit, you’re looking at a $450 ticket. 

Reckless Driving in Arizona 

In Arizona, reckless driving is a class 2 misdemeanor. The maximum penalty (for first-time offenders) is four months in jail and a $750 fine. 

Driving While High Laws in Arizona 

In Arizona, any amount of a substance that impairs your ability to drive is grounds for a DUI charge—even if you’re not actually impaired. If you hit the road with any amount of marijuana in your system and get pulled over, you’re in for some harsh penalties. A first-time DUI conviction means at least 10 days in jail and a fine of $1,250 or more. 

Driving Without Car Insurance in Arizona 

If you’re pulled over and can’t show proof of insurance, you’ll face a $500 fine and your license and registration will be suspended. 

Texting and Driving in Arizona

Arizona doesn’t have statewide laws prohibiting texting and driving. However, some cities, like Phoenix and Tucson, have their own distracted-driving laws and penalties. In Tucson city limits, for example, you’ll pay $50 for your first distracted driving offense, $100 for your second, and $200 for any that happen after that. You’ll also be fined $250 if your distracted driving (that could mean cell phone use while driving or eating while driving) causes an accident. 

 

<twitter>It’s illegal to drive down a road in Arizona in reverse. </twitter>

 

Arizona Car Accidents 

In 2017, there were over 127,000 auto accidents in the state of Arizona, including 919 fatal car crashes and 1,000 fatalities. Of these, 285 people were killed in speed-related crashes, and 230 people weren’t wearing seat belts. Alcohol and prescription and non-prescription drugs played a large role in deaths, with 435 people killed in impaired-driving-related crashes. 

Car Accident Statistics by Vehicle Type in Arizona 

The vast majority of car crashes in Arizona involve passenger cars, pick-up trucks, and SUV’s. Commercial vehicles, motorcycles, mopeds, and bicycles make up less than 10% of accidents in the state. 

Car Accidents in Arizona 

Rear-end collisions were the most common type of collision in Arizona in 2017, usually because of cars driving faster than they should have. Most injuries and fatalities were caused by speeding drivers. 
 

Just For Fun! Most Ridiculous Arizona Traffic Laws 

We’ve all heard of absurd, outdated driving laws. Arizona has its fair share, including: 

  • It’s illegal to bypass a busy intersection by cutting a corner through a business parking lot.
  • Don’t hit the roads to hunt camels. Camel-hunting is illegal in Arizona.

 

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