Personal Auto Insurance in Arizona

When you hit the road in Arizona, having the right auto insurance isn't just a smart choice—it's a legal necessity. Whether you're navigating the vibrant streets of Phoenix or exploring the scenic highways near Flagstaff, personal auto insurance provides essential protection. At Infinity Insurance Agency, Inc. (IIA), we understand the unique needs of Arizona drivers and are here to help you find the coverage that best suits your lifestyle and budget.

Personal auto insurance is designed to insure you, your passengers, and your vehicle in the event of an accident or other covered incident. It can help cover medical expenses, repair costs, and even legal fees if you're found liable in an accident. But beyond the legal requirements, personal auto insurance offers peace of mind, knowing that you've purchased some financial protection against life’s uncertainties on the road. At IIA, we make getting a policy simple and straightforward, guiding you through every step to ensure you have choices when choosing the coverage you need.

Auto insurance requirements in Arizona

Arizona law mandates that all drivers carry a minimum level of auto insurance. This minimum coverage is liability coverage and is often referred to as 25/50/15, breaks down as follows:

• $25,000 maximum for one person sustaining bodily injury or death in an accident.
• $50,000 maximum for two or more persons sustaining bodily injury or death in an accident.
• $15,000 maximum for damage to others’ property.

While these minimum requirements are designed to help protect you and others on the road, they may not be enough to fully cover your expenses in the event of a serious accident. Consider this scenario: If you're involved in an accident that results in multiple injuries and significant property damage, the costs could quickly exceed the minimum coverage limits. In such cases, you could be responsible for paying out of pocket for any expenses that go beyond your policy limits.

To help avoid financial strain, many Arizona drivers opt for full coverage auto insurance, which is a term used to describe a bundle of coverages including collision, comprehensive, and liability coverage, and uninsured/underinsured motorist coverage. The term full coverage does not mean higher limits. As noted above, the state has a minimum liability limit requirement, but you as the customer can choose higher limits if you wish, which could mean a higher premium.  

Collision coverage helps pay for repairs to your vehicle if it's damaged in an accident, while comprehensive coverage helps pay for other non-collision-related incidents, such as theft, vandalism, or fire. At Infinity Insurance Agency, our insurers offer a range of additional coverage options to tailor your policy to your specific needs, so that you can be adequately insured on the road.

It's also important to be aware of the penalties for driving without proof of insurance in Arizona. These penalties can be severe and escalate with each offense:

• First offense: A $500 fine, and your driver's license, registration, and license plates will be suspended for three months. An SR-22 certificate may be required.
• Second offense: A $750 fine, and your driver's license, registration, and license plates will be suspended for six months. An SR-22 certificate may be required.
• Third offense: A $1,000 fine, and your driver's license, registration, and license plates will be suspended for one year. An SR-22 certificate may be required.

Is Arizona considered a no-fault state?

In Arizona, drivers operate under an at-fault system. This means that in the event of an accident, the driver who is determined to be at fault is responsible for covering the costs associated with the accident, including medical bills and property damage. This contrasts with no-fault states, where each driver's insurance covers their own medical losses regardless of who is at fault.

Understanding this distinction is crucial, as it underscores the importance of having adequate liability coverage. If you're found at fault in an accident, the costs can be significant, especially if there are serious injuries or extensive property damage. At IIA, we work with you to help you find the policy that provides you with the liability coverage limit that best suits your needs which can help protect your assets in case of a covered loss.

How much does auto insurance cost in Arizona?

The cost of auto insurance in Arizona can vary widely based on several factors. Understanding these factors can help you make informed decisions about your coverage and manage your insurance costs effectively. Here are some of the key factors that influence the cost of auto insurance in Arizona:

• Driving record: A clean driving record can significantly lower your insurance premiums, while a history of accidents or traffic violations can lead to higher rates.
• Vehicle type: The make, model, and year of your vehicle can impact your insurance costs. Newer, more expensive cars typically cost more to insure due to higher repair and replacement costs.
• Location: Where you live in Arizona can also affect your premiums. Urban areas like Phoenix or Tucson may have higher rates due to increased traffic and a higher likelihood of accidents compared to more rural areas.
• Coverage level: Opting for higher coverage limits or additional coverage options will increase your premiums, but it also provides greater financial protection.
• Driving experience: Younger drivers, especially teenagers, often face higher insurance rates due to their lack of driving experience.  

At IIA, we understand that every driver’s situation is unique. That’s why we offer personalized insurance solutions that consider your specific circumstances. Whether you’re a new driver or a seasoned road warrior, we work with you to find the best coverage at a price you can afford.