Discount Auto Insurance Quotes In Arizona - AZ

These days, it is easier than ever to shop around for car insurance. Arizona residents who need new auto insurance policies have plenty of options. Before beginning a search in earnest, however, it's wise to study up about what is expected by law. It also helps to have a basic understanding of the demographics of the state. While most states have minimum car insurance requirements, it's almost always best to go above and beyond those minimums. The state of Arizona is no exception, and most drivers buy policies that have more extensive limits.

Who Drives in Arizona?

According to the U.S. Census Bureau, the Grand Canyon State had a population of 6,553,255 as of 2012. Of that total, 4,592,398 were licensed to drive in the state as of November 2012. That figure comes from the Federal Highway Administration. Therefore, around 70 percent of the people who live in Arizona are legally licensed to operate motor vehicles. That number can be split up into groups by gender. 2,309,425 people, or 50.29 percent of all licensed drivers, are men. 2,282,973 people, or 49.71 percent of all drivers, are women. It is worth noting that insurance companies do not take gender into consideration when calculating premiums.

Although a driver's gender shouldn't impact how much he or she will pay for auto insurance in Arizona, his or her age certainly will. This makes sense because younger people undoubtedly have less experience behind the wheel than their older counterparts. In the state of Arizona in November 2012, 168,788 licensed drivers were aged 19 or below. This represents 3.7 percent of the population, so there isn't a significant percentage of young, inexperienced drivers on the road.

Demographically, the largest group of legally licensed drivers in Arizona falls into the age range of 45 to 49 years. This group equaled 439,367 people, or 9.6 percent of licensed drivers. Therefore, a decent percentage of licensed drivers most likely have several years of experience, which would suggest that the roads are fairly safe in Arizona. However, that doesn't make the need for valid, high-quality auto insurance any less urgent. There is simply no way to predict what will happen. Driving without auto insurance anywhere is a recipe for disaster.

Car Insurance Requirements in Arizona

Even people who aren't concerned about the odds of being in car accidents in Arizona can't disregard auto insurance entirely. As with so many other U.S. states, auto insurance is mandatory in the Grand Canyon State. Drivers face consequences like suspended licenses and registrations, penalties and fees for being caught driving without valid coverage.

Like all states that require car insurance, Arizona has minimums that are required by law. Insurance must be purchased from a company that is licensed to do business in Arizona. Such companies are aware of the minimums, which are:

  • At least $15,000 in bodily injury coverage for one person
  • At least $30,000 in bodily injury coverage for more than one person
  • At least $10,000 in property damage coverage

When drivers are stopped by police officers in Arizona, they must show proof of valid car insurance. That's not the only way in which people get caught driving without insurance, however. Insurance companies are required to report lapses and cancellations to the Motor Vehicle Division.

Drivers who are caught driving without insurance are often ordered to obtain future proof of insurance in the form of an SR22 form. This form is expensive to maintain, and drivers are often ordered to maintain it for a minimum of three years. This is just another reason why it is crucial to maintain valid auto insurance at all times in Arizona.

Insurance rates in Arizona are not standardized, so it is well worth it to shop around a little. The best way to do so is by collecting auto insurance quotes in Arizona and seeing what's available. Drivers are often surprised by the huge variations that they encounter, and they are often able to obtain very affordable car insurance policies by collecting free quotes online.