If you want affordable car insurance in Arizona, among the most important things that you should know is that Arizona has a highway that is 131,000 miles long. And of course, being one of the largest states in the country, it should be obvious that the local car insurance market is fairly large.
However, the current average vehicle insurance premium in Arizona is surprisingly smaller than the national average. Whereas the average car insurance premium for the entire country is around $1,500, in Arizona it’s slightly above a thousand dollars.
And although that’s cause for good news, take note that this average does not apply to Arizona’s largest cities. In Phoenix for example, the average premium is around $1,700, while in Tucson it’s also around $1,500 at par with or in some cases, exceeding the national average.
Now, that we’ve talked about premiums, let’s move on the minimum liability insurance requirement. Compared to most other states, the minimum liability insurance requirement in Arizona is actually pretty average. In Arizona, each car owner is required to have at least $15,000 worth of Bodily Insurance Liability per injured person and up to a total of $30,000 per accident. As for Property Damage Liability the minimum requirement is basically $10,000.
Also, Arizona, like many other states, also uses a Tort system, which means that in all traffic related incidents, someone must be found at fault. And once the party responsible is declared to be at fault, that party as well as their car insurance company will have to cover all the damages of the other parties.
Moving on, car owners and motorists in Arizona should know that the model of their car will have a strong influence on the kind of premiums that they will have to pay. In addition to concerns about car accidents, certain cars are more likely to be stolen in Arizona than others. What this really means is that in addition to being a good driver, car insurance companies would rather have their clients drive certain types of cars.
For example, the top three cars to be stolen in Arizona in the past few years include: 1994 Honda Accord, 1995 Honda Civic, and the 2005 Dodge Ram. So if you’re planning to buy a new car, you would do well to avoid these models.
And of course, you’re going to need quotes. Get as many as you can and be sure to answer any questions honestly with regards to them. Once you have the information you need, finding affordable auto insurance in the state of Arizona will be much easier.