Arizona is known for its stunning landscapes, from the Sonoran Desert to the famous Grand Canyon. You’ll need good auto insurance to protect you and your car. Mercury Insurance offers cheap auto insurance arizona without cutting corners on quality. We’ll look at the state’s auto insurance basics, extra coverages, and penalties for driving without insurance. Mercury can help you get affordable car insurance arizona with special discounts.
Key Takeaways
- Arizona requires minimum bodily injury liability of $25,000 per person and $50,000 per accident, as well as $15,000 in property damage liability.
- Driving without insurance in Arizona can result in license suspension, fines up to $1,000, and the need to file and maintain an SR-22 for two years.
- Mercury Insurance offers a variety of discounts, including AutoPay, E-Signature, and Electric Vehicle, to help drivers save hundreds on their arizona auto insurance rates.
- QBE provides the cheapest full coverage auto insurance in Arizona at an average rate of $1,167 per year.
- Opting for minimum coverage in Arizona can save drivers up to $641 per year or $53 per month on their arizona auto insurance quotes.
Understanding Minimum Auto Insurance Requirements in Arizona
In Arizona, all drivers must follow specific auto insurance rules set by law. These rules are meant to protect you and other drivers on the road.
Bodily Injury Liability
Arizona says you must have at least $25,000 in bodily injury coverage for each person and $50,000 for each accident. This helps pay for medical bills of others if you cause an accident.
Property Damage Liability
Also, you need a minimum of $15,000 in property damage coverage. This helps pay for repairs to another person’s vehicle or property if you’re at fault in a crash.
It’s crucial to keep up with the arizona minimum auto insurance requirements. This includes arizona bodily injury liability and arizona property damage liability. Not having enough insurance can lead to fines, losing your license, and other serious consequences.
“Ensuring you have the proper auto insurance coverage is not only a legal requirement in Arizona, but it also provides vital financial protection in the event of an accident.”
Optional Auto Insurance Coverages in Arizona
Arizona requires a basic auto insurance, but you can add more coverages for better protection. These extra options can help you and your vehicle in many ways.
Liability Protection
Liability protection gives you more coverage for injuries and damage to others’ property. It’s key if you’re at fault in an accident. It helps pay for medical bills and repairs for others.
By choosing higher liability limits, you’ll feel more secure and protected on the road.
Collision Protection
Collision protection covers repairs if you hit another car or object. It’s great for newer or more valuable cars, as repairs can be expensive. This coverage means you won’t have to pay for repairs out of pocket.
Your car will be fixed and ready to go again.
Comprehensive Coverage
Comprehensive coverage protects against theft, vandalism, or natural disasters. It’s an extra layer of security for your car. With this coverage, you’re prepared for unexpected events that could damage your vehicle.
Adding arizona optional auto insurance coverages like liability, collision, and comprehensive gives you peace of mind. You can choose what’s best for your needs and budget.
Penalties for Driving Without Insurance in Arizona
Arizona is strict about driving without insurance. If caught, you face big penalties. These include a suspended driver’s license, big fines, and needing an SR-22 form for a long time.
The fine for driving without insurance starts at $500. If it’s a repeat, it can go up to $1,000. You might also lose your driver’s license for a year and have to file an SR-22 form for two years to show you have insurance.
| Offense | Fine | License Suspension | Registration Suspension | SR-22 Requirement |
|---|---|---|---|---|
| First Offense | Up to $500 | Up to 3 months | Up to 3 months | 3-5 years |
| Second Offense | At least $750 | Up to 6 months | Up to 6 months | 3-5 years |
| Subsequent Offenses | At least $1,000 | Up to 1 year | Up to 1 year | 3-5 years |
The penalties for driving without insurance in Arizona are serious but not criminal. They can greatly affect your driving and money. To avoid these, always keep the minimum insurance required in Arizona.
“Driving without insurance in Arizona can result in hefty fines, license suspension, and the need to file an SR-22 form for several years. It’s simply not worth the risk.”
How Mercury Provides Affordable Auto Insurance Arizona
Mercury Insurance is all about giving you affordable auto insurance in Arizona without losing quality. Our Special Investigation Unit (SIU) works with law enforcement to stop insurance fraud. This helps us keep our rates low for you. With Mercury, you get the coverage you need at prices you’ll love.
Our research shows that Mercury offers the cheapest minimum coverage auto insurance in Arizona at $393 per year. COUNTRY Financial is second at $464 annually. The General is the most expensive at $1,431 per year.
| Insurance Provider | Minimum Coverage | Full Coverage |
|---|---|---|
| Mercury | $393 | $3,002 |
| COUNTRY Financial | $464 | N/A |
| The General | $1,431 | $2,932 |
| GEICO | N/A | $926 |
| Root Insurance | N/A | $947 |
Mercury Insurance offers mercury affordable car insurance arizona with various discounts and options. We fight fraud and provide quality coverage at competitive rates. This makes us stand out in the market.
“Mercury Insurance is dedicated to delivering affordable auto insurance solutions that protect Arizona drivers without sacrificing quality.”
Discounts to Lower Your Auto Insurance Rate
At Mercury, we know finding affordable auto insurance in Arizona is key. That’s why we offer discounts to help you save more on your policy. These discounts can lower your monthly premiums and give you the coverage you need.
AutoPay Discount
Sign up for automatic payments and get a discount. This makes your payments consistent and on-time. It’s a simple way to save on your arizona auto insurance discounts.
E-Signature Discount
Sign your policy documents online and get a discount. This arizona car insurance discounts option makes things easier and cuts down on paperwork.
Electric Vehicle Discount
If you drive an electric vehicle, you might get a discount on your mercury insurance discounts arizona. We value eco-friendly transportation and reward our customers for making sustainable choices.
Using these arizona auto insurance discounts, arizona car insurance discounts, and mercury insurance discounts arizona, you can save a lot on your auto insurance. Contact us today to see how Mercury can offer you affordable coverage that fits your needs.
The Cheapest Car Insurance Companies in Arizona for Good Drivers
For good drivers in Arizona, finding affordable car insurance is key. The top picks are Geico and Travelers. They offer some of the best rates for both basic and full coverage.
Drivers with clean records in Arizona can pay about $34 a month for basic coverage with Geico. Travelers offers it for $40 a month. For full coverage, Travelers costs $127 a month, and Geico is $106.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Geico | $34 | $106 |
| Travelers | $40 | $127 |
These rates are lower than the national average. Geico and Travelers are top choices in Arizona for good drivers. They offer affordable prices and a lot of coverage options. This helps Arizona drivers save money while still getting the protection they need.
Affordable Auto Insurance Arizona for 20-Year-Olds
As a 20-year-old driver in Arizona, finding affordable auto insurance can be tough. But, there are ways to save on your coverage. Let’s look at some of the best options for full and minimum coverage policies.
Full Coverage for 20-Year-Olds
Full coverage auto insurance might cost more for young drivers. Yet, some Arizona providers offer good rates. Here are the cheapest full coverage options for 20-year-old drivers:
- Geico: $190 per month
- Travelers: $205 per month
- Farm Bureau Mutual (Iowa): $255 per month
Minimum Coverage for 20-Year-Olds
For those looking for minimum coverage, Arizona has more affordable choices. Here are some cheap minimum coverage policies for 20-year-olds:
- Noblr: $32 per month
- Root: $43 per month
- Travelers: $77 per month
As a 20-year-old driver, balancing your coverage needs with your budget is key. By looking at these affordable options and discounts, you can find a policy that protects you without costing too much.
“I was able to find a great full coverage policy with Geico that fit my budget as a 20-year-old driver in Arizona. The process was quick and easy, and I’m now driving with peace of mind.”
Affordable Auto Insurance Arizona for 30-Year-Olds
As a 30-year-old driver in Arizona, finding affordable auto insurance can be tough. But, many insurance companies offer great rates to help you save. Let’s look at some top choices for full and minimum coverage in Arizona.
Full Coverage Options for 30-Year-Olds in Arizona
For full protection, check out these auto insurance providers in Arizona:
- Geico – $123 per month
- Travelers – $128 per month
- Auto-Owners – $154 per month
Minimum Coverage Options for 30-Year-Olds in Arizona
If you just need the state’s minimum insurance, here are some affordable choices:
- Noblr – $20 per month
- Root – $28 per month
- Mercury – $40 per month
The cost of auto insurance changes based on your driving record, credit score, and where you live in Arizona. By comparing quotes from different insurers, 30-year-olds in Arizona can find the best coverage at a good price.
Being informed and proactive about your auto insurance can save you money. It also ensures you have the right protection on the road.
Affordable Auto Insurance Arizona for 40-Year-Olds
If you’re driving in Arizona and you’re in your 40s, you can get good insurance rates. By looking at quotes from different companies, you can find affordable car insurance arizona 40 year olds that suits your budget.
Full Coverage for 40-Year-Olds
For 40-year-old drivers in Arizona wanting full coverage, Travelers, Geico, and Auto-Owners offer good prices. They charge $114, $123, and $149 a month, respectively. Checking out these and other companies can help you get cheap auto insurance arizona 40 year olds without losing coverage.
Minimum Coverage for 40-Year-Olds
If you just need the minimum insurance in Arizona, Noblr, Root, and Mercury have affordable car insurance arizona 40 year olds for 40-year-old drivers. Choosing a basic policy can save you a lot of money while still following state laws.
“Comparing quotes from multiple insurers is the key to finding the most affordable car insurance arizona 40 year olds that meets your specific needs.”
Your driving record, credit score, and coverage type affect the cheap auto insurance arizona 40 year olds you can get. By being informed and looking at your options, you can make sure you’re getting the best deal.
Affordable Auto Insurance Arizona for 50-Year-Olds
When drivers hit their 50s in Arizona, they often find the cheapest auto insurance rates. Insurers like Travelers offer full coverage for $113 a month. Geico and Mercury also have good rates at $128 and $133 a month, respectively.
For those needing only the basics, Noblr, Root, and Mercury have the cheapest options. They charge $19, $27, and $35 a month, respectively.
Driving record, credit score, and the type of car you drive affect your insurance costs. A clean driving record, good credit, and a safe car can lower your rates. Also, discounts for safe driving or safety features can help save money.
On average, 50-year-old drivers in Arizona pay about $1,658 a year or $138 a month for full coverage. By comparing quotes and using discounts, they can get the best deal on insurance.
Factors Affecting Car Insurance Rates in Arizona
Your car insurance rates in Arizona can change based on several key factors. Knowing these can help you make better choices and save money on your insurance.
Age
Age is a big factor in your car insurance rates. Young drivers under 25 usually pay more because they have less driving experience and are seen as riskier. As you get older, your rates go down. Drivers over 65 might see rates go up a bit again.
Driving Record
Your driving history affects your insurance rates a lot. Things like speeding tickets, accidents, and DUIs can make your rates go way up. Drivers with no tickets or accidents usually pay less for insurance.
Credit Score
Your credit score also plays a role in your Arizona car insurance rates. Insurers use credit scores to see how risky it is to insure you. People with bad credit scores often pay more for insurance than those with good credit.
Knowing how car insurance rates in Arizona work can help you. Keep your driving record clean, work on your credit, and look for discounts to lower your auto insurance rates.
“Insurance premiums for Andy’s two vehicles jumped by 53%, from $2,031 to over $3,114 a year, despite his good driving record and no claims.”
Conclusion
Arizona’s beautiful landscapes are perfect for adventure, but having good auto insurance is key to staying safe. Knowing the minimum coverage and the extra options can help you find affordable insurance in Arizona. This way, you can get coverage that fits your needs.
Mercury Insurance is known for great coverage at good prices. They work hard to stop insurance fraud. No matter if you’re 20, 30, 40, or 50, Mercury can help you save on auto insurance in Arizona. They focus on making customers happy with flexible policies.
When driving in Arizona, think of your auto insurance as your safety net. Picking the right provider and coverage lets you enjoy driving with peace of mind. With Mercury, you can drive confidently, knowing you’re well protected.
Source Links
- Cheap Car Insurance in Arizona | Mercury Insurance
- Cheap Car Insurance in Arizona for August 2024 – NerdWallet
- Minimum Coverage Required for Arizona Drivers
- Arizona Minimum Coverage Car Insurance: Requirements and Costs (2024)
- The Essential Guide to Understanding Car Insurance Laws in Arizona: What Every Driver Needs to Know | Nuvision Auto Glass
- Cheapest Car Insurance Arizona
- Arizona Car Insurance | Get a Quote | Liberty Mutual
- Penalty for Driving Without Insurance in Arizona (2024)
- Can You Go to Jail for Driving Without Insurance in Arizona?
- Driving Without Car Insurance in Arizona
- Cheapest Car Insurance in Arizona (August 2024)
