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Cheap Car Insurance in Arizona

Car insurance is required in the state of Arizona, and cheap car insurance in Arizona is possible for drivers. According to a study commissioned by insure.com, the average Arizona driver spends $1,280 on insurance, which is well below the national average of $1,561, making it much easier to obtain than drivers in states such as Michigan and Louisiana.

Arizona Minimum Liability Requirements

The Grand Canyon in Arizona

Arizona has a minimum amount of coverage that people are required to purchase for bodily injury liability and property damage liability coverage. If one person is hurt in an accident caused by the policy holder, he or she is required to have at least $15,000 bodily injury liability to pay for this person’s medical bills.

Drivers must also have $30,000 bodily injury liability for everyone’ medical bills who were injured in the car crash. Property damage liability coverage in the amount of at least $10,000 is required to pay property repair bills.

Severe Penalties for Being Uninsured

Arizona drivers who do not purchase this minimum liability coverage or let their policies lapse will be discovered very quickly. Arizona’s Motor Vehicle Division (MVD) is in contact with the auto insurance companies, and these companies inform the MVD when people purchase a new policy, when a policy has been allowed to expire and when a policy has been cancelled.

Those who have not renewed their policies or purchased a new one after they received notice the policy was about to expire will be contacted by the MVD. They must show proof that they have purchased the minimum liability requirements within the specified time period or they will be subject to having their vehicle registrations and/or their licenses suspended.

How Arizona Drivers Can Reinstate Their Driving Privileges

Reinstating their driving privileges means that Arizona drivers will need to perform
several actions including present proof of insurance. If they cannot provide proof that
their vehicles were insured at the time the MVD notified them, they need to purchase the
SR-22 form and pay a $50 reinstatement fee.

The fact that the auto insurance companies are making it very easy for the MVD and other auto insurance companies to know when someone allows their policies to lapse means that they will have difficulties purchasing cheap car insurance in Arizona. Drivers who allow their car insurance coverage to lapse and continue to drive without insurance are placed into a very high risk category.

How to Purchase an Affordable Policy

Whether you live in Phoenix, Tucson, Flagstaff, Prescott, Lake Havasu, Mesa, or any other Arizona city, cheap car insurance in Arizona is attainable. Our website offers insurance from leading insurers in Arizona. You can compare rates and lock in your lowest rate.

Arizona drivers need only to type in their zip codes, and they can obtain multiple free insurance quotes. You could be saving over $500 per year off your current rates!

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