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Shaner Insurance Group

1250 S. 4th Ave Suite 150
Tucson, AZ 85713

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Auto Insurance in Arizona

The Grand Canyon State is situated in the hottest region of the United States, and has very low precipitation. Most of the time Arizona drivers drive on dry roads in clear conditions. The average auto insurance premium for residents in Arizona is $1,401 in 2010; $144 below the current national average. The requirements for minimum coverage are also relatively low. This is due to a relatively low population along with very few instances of poor weather affecting driving conditions.

State Requirements

  • Bodily injury liability minimum: $15,000/person, $30,000/accident
  • Property damage liability minimum: $10,000

There is no grace period in Arizona from the time you purchase a vehicle to the time you must have it insured. If you are unable to attain automobile coverage from a private insurer in Arizona, the state has a program called the Arizona Automobile Insurance Plan in which a qualifying applicant is connected with an insurer who will write insurance for them.

Arizona follows a Tort system when it comes to insurance liability concerning a car accident. This means the driver determined to be at fault for an accident is liable for the damage and injuries of both parties. That is why it is important to have the correct coverage to protect yourself in the event of high costs due to damage and potential hospital bills.

What You May Not Already Know

The penalty for driving without the required automobile insurance in Arizona includes license suspension and a fine of up to $250.

Our experienced insurance agents can help you compare your options by explaining the terminology and the details of the plan. Furthermore, an agent can offer advice so that you can find the right policy for your goals.

Selecting Coverage

The coverage that you need may vary based on several factors, including your concerns about repairing or replacing a personal vehicle if an accident occurs. Selecting the right coverage can seem daunting, but our agents can provide the details that you need to purchase auto insurance that is most appropriate for your goals and plans. We can offer advice and are available at any time of the day or night.

Purchasing insurance is a necessity, but the exact coverage and plans that will suit your individual needs will vary. Fortunately, you can compare the options with the help of professionals at Shaner Insurance Group. To learn more about your options, call us to speak to an independent agent today.


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