Arizona Auto Insurance law

Do you reside in the Grand Canyon State and own a vehicle? Then, it is essential to be aware of the crucial insurance responsibilities for legal compliance to ensure financial security and peace of mind. 

Arizona’s diverse driving conditions, from bustling city streets to rural highways, make having the right coverage even more important. Besides, knowing the ins and outs of Arizona car insurance laws can save you time, money, and stress.

This guide will provide insights into Arizona auto insurance requirements, non-compliance consequences, laws for young drivers, and tips for finding the best policy coverage.

Overview of Arizona Car Insurance Laws

As per the laws, every vehicle owner must obtain car insurance policies for a certain amount to legally drive their cars across Arizona. In fact, one cannot register a car without having an insurance plan. 

Arizona follows a traditional “fault”-based system regarding financial responsibility for losses from a car accident: injuries, lost income, vehicle damage, and so on. If you are responsible for an accident, your insurance policy will absorb these losses up to your policy limits.

Minimum Arizona Auto Insurance Requirements

Every vehicle owner in Arizona must carry minimum liability insurance to abide by the laws. The state mandates the following minimum coverage, commonly referred to as 25/50/15:

1. Bodily Injury Liability

This coverage addresses medical costs for injuries you cause to others in an accident.

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury (if more than one person is injured)

2. Property Damage Liability

This covers the cost of damages you cause to someone else’s property, such as their vehicle or fence.

• $15,000 per accident

Although these are the minimum amounts, it is advisable to consider larger limits or more coverage for optimum financial protection.

Penalties for Non-Compliance

Failing to maintain the required auto insurance in Arizona can lead to serious consequences, including:

• Fines: Ranging from $500 to $1,000, depending on the number of offenses.

• Suspended License: Your driving privileges may be revoked and your license suspended. 

• Vehicle Impoundment: Your car may be seized by authorities unless you can produce proof of insurance. Maintain your policy’s validity and keep evidence of insurance in your vehicle to avoid these fines.

Arizona Auto Insurance Laws and Teen Drivers

For families with teen drivers, there are additional considerations as per the Arizona auto insurance requirements:

• Higher Premiums: Teens are considered high-risk drivers, so premiums tend to be higher.

• Parental Guidance: Parents must ensure teens have the minimum required insurance coverage.

• Graduated Licensing System: Teens in Arizona can obtain experience and driving skills before receiving a full driver’s license by participating in the Graduated Driver Licensing (GDL) program. Teens enrolled in the program first receive a learner’s permit, which they must maintain for at least six months. After that, they are granted a restricted intermediate license. After meeting the requirements for the intermediate license, they are eligible to apply for a full driver’s license. 

Tips for Choosing the Right Auto Insurance in Arizona

Finding the right auto insurance doesn’t have to be overwhelming. Here are practical tips to help you choose coverage that meets your needs:

1. Assess Your Needs

Consider adding comprehensive and collision coverage if you have a new or valuable vehicle. Evaluate your driving habits. If you drive frequently in busy areas, uninsured motorist coverage can be a lifesaver.

2. Compare Quotes

Obtain quotations from several insurance providers to identify affordable prices. Make side-by-side policy comparisons by using internet resources or speaking with an agent.

3. Explore Additional Coverage Options

• Uninsured/Underinsured Motorist: Protects you if the other driver doesn’t have sufficient coverage
• Medical Payments (MedPay): Covers medical expenses for you and your passengers
• Mobile Windshield Replacement Services: Convenient if your windshield is damaged and you need quick repair or replacement

3. Look for Discounts

Additionally, many insurance providers offer incentives for safe driving, combining coverage, and keeping a spotless driving record.

Protect Yourself with the Right Coverage

Arizona car insurance laws are intended to protect both you and other drivers. Knowing the requirements and selecting the appropriate coverage will allow you to drive with assurance that you are completely covered in case of unforeseen circumstances.

If your vehicle needs any auto glass-related services, look no further than NuVision Auto Glass. We offer high-quality services to keep you safe, whether you require side window replacement, windshield repair and replacement, auto glass replacement, or ADAS calibration.

Call us today to schedule an appointment!

FAQs

Is glass coverage mandatory in Arizona?

No, glass coverage isn’t necessarily mandatory in Arizona. However, considering the state’s desert landscape, where you get frequent desert storms, including glass coverage in your insurance policy would be a smart choice.

Can I get my windshield replaced for free in Arizona?

Yes, you can get your windshield replaced for free in Arizona. Numerous insurance policies offer windshield replacement services with no deductible. However, you must check with your insurance company whether the service is included in your policy. Additionally, you can get free windshield repair and replacement services at NuVision Auto Glass if you have insurance.

Will my insurance go up if I claim for a windshield in Arizona?

Whether your claim for a windshield in Arizona increases your insurance or not highly depends on the specifics mentioned in your claim and your insurer. Most insurers tend not to raise the rates for claims such as windshield repairs.

Is auto glass covered by insurance?

Yes, most policies include auto glass repair and replacement. Ensure you understand your deductible and any limits your policy might have.