How much is car insurance per month in Arizona?

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In a nutshell...
  • Many companies will refuse to insure a driver with an SR-22 on file
  • If you live in a relatively unpopulated area, your insurance rates will likely be lower than in metropolitan areas such as Phoenix
  • If a driver is not able to produce proof of insurance, the Motor Vehicle Department may suspend the driver’s license

The state of Arizona requires all drivers to carry minimum liability insurance on their cars.

The minimum liability requirements for Arizona are $15,000 per person and $30,000 per accident. Arizona also requires $10,000 in property damage coverage to pay for vehicles or other property damaged in a crash.

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Who is liable in a car accident in Arizona?

Arizona operates under the tort liability system of law. This means that in an accident, one driver will be declared liable for the damages, or “at-fault.”

The at-fault driver’s insurance will have to pay for the cost of damages to the victim’s car, and if the liability limits are not enough to cover the damages, then the at-fault driver will be held personally responsible.

Proof of Insurance is Required

All drivers in Arizona are required to carry current proof of insurance when driving. If a driver is not able to produce proof of insurance, the Motor Vehicle Department may suspend the driver’s license.

Anyone with a suspended license will be charged a fee for reinstatement and must file an SR-22 form with the state, permanently placing the driver in a “high risk” driving category with the insurance company.

It will not, however, prevent license suspension if you are more than a week late paying your insurance premiums. Insurance companies can also demand full payment if you are late on a monthly payment plan.

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Non-Arizona Residents

If you are driving through Arizona but are not a resident, you must also produce proper proof of insurance.

Not only must your liability limits meet Arizona’s standards, but the company you use must be licensed to sell policies in Arizona.

If you are visiting Arizona on a short-term basis, you may apply for a de-insured vehicle certificate, which allows you to legally park your car, even if you do not have the proper insurance qualifications.

The de-insured vehicle certificate is designed mainly for service personnel or others who will be physically located in the state and need to store a car, but do not need to drive.

Facts about Arizona Car Insurance

Uninsured motorist accidents do occur in Arizona, and drivers are not required to carry uninsured motorist coverage.

However, if you have it, you can seek information about the other driver’s insurance status by applying to the state if you are involved in an accident.

Arizona allows car insurance companies to use your credit score in determining premium rates. If you have a poor credit history, you can expect to pay more for car insurance in Arizona.

How much is car insurance per month in Arizona?

Arizona has one of the lower average annual premiums in the nation, at $1,280 per year. The national average is $1,561. However, the percentage may not be indicative of your costs.

Each driver is assessed premium rates based on which company is the insurer, the individual’s driving record, and other information such as age, location, and type of vehicle.

You can find competitive car insurance rates by comparing quotes from various companies. Significant companies licensed to do business in Arizona include Allstate, GEICO, State Farm, and Progressive.

If you are unsure whether your insurance company is licensed in Arizona, visit the Arizona Department of Insurance’s website and look up your company’s name on their search feature.

If you are moving from out of state, be sure to discuss your policy with your agent to confirm that it meet’s Arizona’s requirements for liability minimum coverage.

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