Though most people think of Arizona as the desert state, and of course the Grand Canyon state, this wonderful state has flat land, mountainous ridges, forests, and it also has a fertile basin.  Traveling through Arizona as tourists or native Arizonian requires proper auto insurance.  Arizona auto insurance is set at the minimum to insure motorists in the state of Arizona and guarantee them basic protection at an affordable price.

Arizona auto insurance rates are just slightly higher than the national average of $1896, but only by about a few dollars. Of course each individual insured from Arizona would be charged according to his/her specific driving record, age, make of car and other factors that would make the annual Arizona car insurance rate of $1910 set in 2007 to be a guideline rather than a fixed amount.

Arizona Auto Insurance Requirements

 

Arizona motorists are required to carry the minimum auto insurance, which is liability insurance against injuring or damaging property of another driver.  Whether they buy vehicles from new or used car dealerships in Phoenix, all cars must be insured. Arizona is not a no fault state so that means that the driver at fault and his or her insurance company must pay the damages sustained through an accident.

 

• Bodily Injury Liability – Arizona car insurance covers the minimum of $15,000 to pay for the medical expenses incurred by the at fault Arizona driver, to the driver of the other vehicle.
• It will also cover up an additional $30,000 for injuries sustained by other passengers.
• Property Damage Liability – Basic Arizona auto insurance also provides $10,000 to insure against damage to the other vehicle or public property such as buildings fences, and road signs.

Life in Arizona can be very easy going and relaxing, and Arizona residents do want to keep it that way, hence, the State of Arizona highly recommends that Arizonians purchase additional car insurance to at least protect them from the expenses incurred by hit and run drivers, or in the event that the at fault party has no insurance or not enough to carry the medical expenses the victim in the accident would sustain (uninsured/under-insured). It would be wise to carry additional insurance to protect against natural occurrences such as the damage sustained by hail, stones, or falling trees, and collision with the State’s wildlife (Comprehensive and Collision).  Arizonians need to be protected from all these out of pocket expenses, which can run into the thousands of dollars.  It would even be recommended to purchase Personal Injury Insurance to cover any injuries the at fault driver might sustain in an accident as well.