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Arizona Car Insurance Resources

Arizona Car Insurance

Car Insurance Rates in AZ

^ From 2006 to 2010, Arizona cities had the 14th highest auto insurance rates in the nation. [2]

Car Insurance in AZ by City

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Cars Insured in AZ

^ Arizona ranked 18th of all U.S. states in total auto insurance policies in 2011. [1]

AZ Car Insurance

Car Insurance in Arizona

Car Insurance Liability Requirements in Arizona

  • Minimum Liability Limits in AZ: 15/30/10 [4]
    • 15  Required coverage up to $15,000 for one individual injured in an accident
    • 30  Required coverage up to $30,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Arizona

Required Car Insurance Coverage in Arizona
  • Auto Insurance Coverage Requirements in AZ [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Arizona

  • Insurer Verification of Auto Insurance in AZ [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify financial responsibility or insurance after an accident or arrest.

Arizona Car Insurance Facts, Estimates & Related Laws

Arizona Car Insurance Facts

Arizona Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in AZ
    • Arizona had the 18th highest auto insurance rates in the nation in 2010. [2]
    • Rates in AZ ranked 15th in the nation in 2009. [2]
    • In 2008, AZ had the 14th highest rates in the country. [2]
  • Number of Auto Insurance Policies in AZ
    • Arizona ranked 18th in the nation in auto insurance policies in 2011 with a total of 4,165,847. [1]
  • Uninsured Motorist Rate in AZ
    • The uninsured motorist rate in AZ ranked 28th in the nation in 2009. [3]

Arizona Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? No
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect.. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Arizona Automotive Laws

  • Safety Belt Laws in AZ
    • Safety belt laws have been in place since 1991 and apply to drivers/passengers 8+ years in front seat; 8 through 15 in all seats. [7]
    • Child restraint law in place for 4 years and younger; children 5 through 7 who are 57 inches or shorter. [7]
  • Motorcycle Helmet Laws in AZ
    • Motorcycle helmets required for 17 and younger. [7]
  • Driver's License Renewal Cycle in AZ
    • Renewal cycle: until age 65 [7]

Arizona Auto & Driver Facts

Arizona Automotive Facts

Arizona Auto & Driver Facts
  • Speed Limits in AZ
    • Rural interstates: 75 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph (Trucks: 65 mph) [7]
  • Motor Fuel Consumption in AZ
    • Arizona cities collectively ranked 16th in the nation in total motor fuel consumption in 2011. [9]

Arizona Licensed Drivers

  • Licensed Drivers in AZ [10]
    • Total Drivers: 4,592,398
    • Female: 2,282,973
    • Male: 2,309,425
    • AZ has the 16th most drivers in the U.S.
  • Minimum Driving Age in AZ [5]
    • Arizona has a minimum driving age of 15 years, 6 months.

Arizona Auto Registrations

  • Auto Registrations in AZ [8]
    • Registered Cars: 2,363,015
    • Registered Trucks: 2,555,552
    • Registered Motorcycles: 178,928
    • Total Registrations: 5,109,254
    • Rank: Arizona ranked 19th in the United States in total auto registrations in 2011.

Additional information about Arizona

About Arizona

Arizona has a population of approximately 6,392,017, which ranks 15th in the U.S. among all states. [6]

AZ Car Insurance

More about Arizona auto insurance

For more information about auto insurance in AZ, or for additional resources regarding Arizona car insurance, visit the Arizona Department of Insurance.

Did you know?

As of August 2013, three states (Idaho, Kansas and Minnesota) permit electronic delivery (e-Delivery) of insurance documents.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Arizona Cities