Car Insurance Liability Requirements in Cottonwood
- Minimum Liability Limits in Cottonwood: 15/30/10 
- 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: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.
Required Car Insurance Coverage in Cottonwood
- Cottonwood Auto Insurance Coverage Requirements 
- Bodily injury liability coverage
- Property damage liability coverage
Car Insurance Verification Laws in Cottonwood
- Insurer Verification of Auto Insurance in Cottonwood 
- 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.
Cottonwood Car Insurance Facts, Estimates & Related Laws
Cottonwood Car Insurance Stats
- Number of Auto Insurance Policies in Cottonwood
- Based on historical and current data, 7,342 cars are currently insured in Cottonwood. 
- Arizona cities collectively ranked 18th in the nation in auto insurance policies in 2011 with a total of 4,165,847. 
- Uninsured Motorist Rate in Cottonwood
- Based on historical and current data, Cottonwood has an estimated 963 uninsured drivers. 
- Arizona cities collectively had the 28th highest uninsured motorist rate in the nation in 2009. 
- Average Car Insurance Rates in Cottonwood
- Arizona cities collectively had the 18th highest auto insurance rates in the nation in 2010. 
Cottonwood 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. 
- Enforcement of laws:
- Primary enforcement in effect.. 
- With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.
Cottonwood Automotive Laws
- Minimum Driving Age in Cottonwood 
- Cottonwood, AZ minimum driving age: 15 years, 6 months.
- Driver's License Renewal Cycle in Cottonwood
- Renewal cycle: until age 65 
- Motorcycle Helmet Laws in Cottonwood
- Motorcycle helmets required for 17 and younger. 
- Safety Belt Laws in Cottonwood
- 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. 
- Child restraint law in place for 4 years and younger; children 5 through 7 who are 57 inches or shorter. 
Arizona Car & Driver Facts
Arizona Auto Registrations
- Auto Registrations in AZ 
- 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.
Arizona Automotive Facts
- Speed Limits in AZ
- Rural interstates: 75 mph 
- Urban interstates: 65 mph 
- Other roads: 65 mph (Trucks: 65 mph) 
- Arizona Motor Fuel Consumption
- Arizona cities collectively ranked 16th in the nation in total motor fuel consumption in 2011. 
Arizona Licensed Drivers
- Licensed Drivers in AZ 
- Female Drivers: 2,282,973
- Male Drivers: 2,309,425
- Total Drivers: 4,592,398
- Rank: 16th highest in the U.S.
Additional information about Cottonwood, AZ
Cottonwood (Arizona) is a city with a population of 11,265  that is located in Yavapai County.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
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. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau
6. ^ Insurance Research Council (IRC) and United States Census Bureau
7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ Insurance Institute for Highway Safety (IIHS)
10. ^ U.S. Department of Transportation
11. ^ Federal Highway Administration
12. ^ United States Census Bureau
13. ^ National Highway Traffic Safety Administration (NHTSA)
14. ^ National Telecommunications & Information Administration (NTIA)