Are you trying to get the lowest Arizona auto insurance quote? If you are, we would love to help you. Go ahead and enter your zip code at the top of this page and you will be presented with the list of the cheapest car insurance providers in your area. Comparing quotes from those companies will allow you to locate the cheap deal within minutes! If you are interested to learn more about Arizona vehicle insurance requirements, DUI and more, please keep reading this page.
Arizona Car Insurance Laws and Requirements
Despite the fact that the state of Arizona is one of the highest rating states in the United States when it comes to speeding offenses, uninsured and underinsured drivers as well as fatal road accidents, Arizona car insurance policies are not necessarily that expensive. Possibly the greatest contributing factor to the affordability of Arizona car insurance policies is its low minimum liability coverage limits. While this can prove to be an advantage if you prefer to purchase a cheaper auto insurance package, you may be required to pay for a higher amount if you would want to drive outside Arizona.
The minimum limit for Bodily Injury Liability coverage is $15,000 per person injured during an accident and may cover up to $30,000 per accident. The Property Damage Liability has a minimum coverage limit of $10,000. This type of basic coverage is also called as the 15/30/10 insurance policy coverage. These are the minimum limits for the coverage of Arizona car insurance policies. In order for the car insurance policy to cover the payment for all injuries and damages incurred during an accident, a person should be found at fault. The person found at fault is required to pay for all the damages caused during the accident together with his or her car insurance company.
In getting an Arizona car insurance policy, you should also consider adding the Underinsured/Uninsured Motorist Bodily Injury coverage. While the state of Arizona does not consider the Underinsured/Uninsured Motorist Bodily Injury coverage as mandatory, this can still prove to be beneficial in certain circumstances. For example, if the driver who caused the car accident is underinsured or uninsured, your car insurance company will pay for the damages if you have the Underinsured/Uninsured Motorist Bodily Injury coverage.
Arizona Driving Under the Influence Laws and Penalties
As stated in the ARS 28-1381 DUI Law of the state of Arizona, it is unlawful for a person to be driving or operating any motor vehicle, any type of aircraft or a water craft such as a boat while under the influence of drugs, inhalants, or alcohol. A driver is considered to be driving under the influence if his or her blood alcohol concentration is greater than .07% within 2 hours of driving a motor vehicle or operating a water craft, or an air craft. A person stopped while driving any type of commercial motor and found to have a blood alcohol concentration of greater than .03% will be arrested.
Arizona Penalties for a First DUI Offense
Individuals who will be charged with a DUI offense for the first time should request the Arizona MVD to grant them a license suspension hearing within fifteen days from the time of that they were arrested for DUI charges. Failure to do so will automatically result in their license being suspended for 90 days. The first DUI offense carries several penalties. These penalties include jail time, fines, and license suspension. These penalties may vary, depending on the circumstances surrounding the charges.
A person who has committed a DUI offense for the first time will be required to spend a minimum jail time of ten consecutive days. As stated by the Arizona law, nine of the minimum jail time of ten days can be suspended if the driver charged has completed an approved drug or alcohol screening test or assessment. However, the driver should still spend 23 consecutive hours in jail. A first time DUI offender is also required to pay a $1,000 general assessment and prison charges, a probation surcharge of $10, a base fine of $250 and a $200 surcharge. The license of the DUI offender will also be suspended for a minimum of 90 days.Arizona Penalties for a Second DUI Offense
If DUI charge of the driver has occurred within 84 months from the previous DUI offense and if the blood alcohol concentration of the driver is .15% or less, then it is considered by the Arizona state law as a second DUI offense. A second DUI offense requires the driver to spend a jail time of a minimum of 90 days. The offending driver is also required to pay for several penalty fines, including a $2,500 general assessment and prison fines, a probation charge of $10, a base fine of $500 and a surcharge of $400. The license of the offending driver will also be revoked for a minimum of one year.
Arizona Car Insurance Policy Rates vs. the Average National Rates
Compared to the national average rates of car insurance premiums in the United States which is $1,436.40, the average car insurance policy rates in the State of Arizona is lower. The average car insurance policy premium in Arizona is only $1,058.57. However, if you live in Phoenix or in Tucson, you should be prepared to pay for a higher car insurance policy rate. The average insurance premium in Phoenix Arizona is $1,699.93 while the average premium in Tucson is $1,514.20.
Top Ten Most Stolen Vehicles in Arizona
If you live in Arizona, and the model, the make or the year of your car is a favorite among car thieves, then you should be prepared to pay higher for your Arizona car insurance policy. The top ten most stolen vehicles in the state of Arizona include the 1995 Honda Accord, the 1995 Honda Civic, the 2005 Dodge Ram, the 1997 Ford F150 Pickup, the 2003 Ford 250 Pickup, the 1997 Chevrolet Full Size Pickup, the 2006 Ford F350 Pickup, the 1998 Nissan Sentra, the 1997 Nissan Altima, and the 1991 Toyota Camry.
Arizona Car Insurance Laws and Requirements
Despite the fact that the state of Arizona is one of the highest rating states in the United States when it comes to speeding offenses, uninsured and underinsured drivers as well as fatal road accidents, Arizona car insurance policies are not necessarily that expensive. Possibly the greatest contributing factor to the affordability of Arizona car insurance policies is its low minimum liability coverage limits. While this can prove to be an advantage if you prefer to purchase a cheaper auto insurance package, you may be required to pay for a higher amount if you would want to drive outside Arizona.
The minimum limit for Bodily Injury Liability coverage is $15,000 per person injured during an accident and may cover up to $30,000 per accident. The Property Damage Liability has a minimum coverage limit of $10,000. This type of basic coverage is also called as the 15/30/10 insurance policy coverage. These are the minimum limits for the coverage of Arizona car insurance policies. In order for the car insurance policy to cover the payment for all injuries and damages incurred during an accident, a person should be found at fault. The person found at fault is required to pay for all the damages caused during the accident together with his or her car insurance company.
In getting an Arizona car insurance policy, you should also consider adding the Underinsured/Uninsured Motorist Bodily Injury coverage. While the state of Arizona does not consider the Underinsured/Uninsured Motorist Bodily Injury coverage as mandatory, this can still prove to be beneficial in certain circumstances. For example, if the driver who caused the car accident is underinsured or uninsured, your car insurance company will pay for the damages if you have the Underinsured/Uninsured Motorist Bodily Injury coverage.
Arizona Driving Under the Influence Laws and Penalties
As stated in the ARS 28-1381 DUI Law of the state of Arizona, it is unlawful for a person to be driving or operating any motor vehicle, any type of aircraft or a water craft such as a boat while under the influence of drugs, inhalants, or alcohol. A driver is considered to be driving under the influence if his or her blood alcohol concentration is greater than .07% within 2 hours of driving a motor vehicle or operating a water craft, or an air craft. A person stopped while driving any type of commercial motor and found to have a blood alcohol concentration of greater than .03% will be arrested.
Arizona Penalties for a First DUI Offense
Individuals who will be charged with a DUI offense for the first time should request the Arizona MVD to grant them a license suspension hearing within fifteen days from the time of that they were arrested for DUI charges. Failure to do so will automatically result in their license being suspended for 90 days. The first DUI offense carries several penalties. These penalties include jail time, fines, and license suspension. These penalties may vary, depending on the circumstances surrounding the charges.
A person who has committed a DUI offense for the first time will be required to spend a minimum jail time of ten consecutive days. As stated by the Arizona law, nine of the minimum jail time of ten days can be suspended if the driver charged has completed an approved drug or alcohol screening test or assessment. However, the driver should still spend 23 consecutive hours in jail. A first time DUI offender is also required to pay a $1,000 general assessment and prison charges, a probation surcharge of $10, a base fine of $250 and a $200 surcharge. The license of the DUI offender will also be suspended for a minimum of 90 days.Arizona Penalties for a Second DUI Offense
If DUI charge of the driver has occurred within 84 months from the previous DUI offense and if the blood alcohol concentration of the driver is .15% or less, then it is considered by the Arizona state law as a second DUI offense. A second DUI offense requires the driver to spend a jail time of a minimum of 90 days. The offending driver is also required to pay for several penalty fines, including a $2,500 general assessment and prison fines, a probation charge of $10, a base fine of $500 and a surcharge of $400. The license of the offending driver will also be revoked for a minimum of one year.
Arizona Car Insurance Policy Rates vs. the Average National Rates
Compared to the national average rates of car insurance premiums in the United States which is $1,436.40, the average car insurance policy rates in the State of Arizona is lower. The average car insurance policy premium in Arizona is only $1,058.57. However, if you live in Phoenix or in Tucson, you should be prepared to pay for a higher car insurance policy rate. The average insurance premium in Phoenix Arizona is $1,699.93 while the average premium in Tucson is $1,514.20.
Top Ten Most Stolen Vehicles in Arizona
If you live in Arizona, and the model, the make or the year of your car is a favorite among car thieves, then you should be prepared to pay higher for your Arizona car insurance policy. The top ten most stolen vehicles in the state of Arizona include the 1995 Honda Accord, the 1995 Honda Civic, the 2005 Dodge Ram, the 1997 Ford F150 Pickup, the 2003 Ford 250 Pickup, the 1997 Chevrolet Full Size Pickup, the 2006 Ford F350 Pickup, the 1998 Nissan Sentra, the 1997 Nissan Altima, and the 1991 Toyota Camry.
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