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All About Auto Insurance Coverage in Arizona

Posted by Jaime Block on Nov 17, 2015


Let’s face it.  Not many of us that live in Arizona are originally from this state, and the better half of us are from the Midwest.  With that said, understanding your auto insurance policy is extremely important as the two different regions have totally different options.

Drivers in the State of Arizona are aware of the distinctive challenges while driving: sudden dust storms that decrease visibility and flash floods that make roads hazardous during monsoon season. But like any other state, getting the proper car insurance protection in Arizona is essential.

State of Arizona requires car insurance coverage on every motor vehicle insurance if you are pulled over by a law enforcement officer. If you don’t have automobile insurance in AZ, the state could very well suspend your driver’s license and/or automobile registration. You may attain Arizona car insurance quotes by simply looking online for the best rates.

If you are relocating to Arizona, it is very important to register your vehicle in Arizona and obtain auto insurance ASAP. If your car was insured in your previous state, the exact same levels of coverage may not be acceptable to the state of Arizona. Whether moving to Phoenix or another part of the state, be sure to call your insurance company as early as possible to get the right quote on auto insurance for the new state.

Required Car Insurance Coverage in Arizona

Arizona requires drivers to have car insurance that meets or exceeds the following minimum levels:

Bodily Injury Liability Coverage: Minimum $15,000 per person / $30,000 per accident

Underinsured Motorist Bodily Injury Coverage: Minimum $15,000 per person / $30,000 per accident

Property Damage Liability Coverage: Minimum $10,000

Uninsured Motorist Bodily Injury Coverage:Minimum $15,000 per person / $30,000 per accident

Note: Uninsured and Underinsured coverages can be rejected by speaking to a licensed insurance counselor.  Depending on your needs, you may choose higher coverage limits to more fully protect yourself. Speak to an insurance representative if you are unsure of what car insurance coverage is best for you.

Safety Glass Non-Deductible Option (VERY IMPORTANT):
For those who have an AZ auto insurance policy w/ a comprehensive deductible, you most likely are eligible for a benefit known as the safety glass non-deductible option. With this option, repairing or replacing auto glass on your covered vehicle doesn’t require you to pay a deductible. This applies to the windshield, windows, and some other glass materials within the vehicle.

Many customers tend to come to AGD Auto Glass & Tint Co not knowing whether or not they have auto glass coverage.  It is crucial to find out this information if you are driving on the roads of Arizona.  Chips, Rocks and debris are often causes of windshield cracks and breaks.  If you are not sure about your comprehensive deductible on auto glass, we highly recommend making sure it is added to your insurance policy.  Why?  Because when a rock hits your windshield…………OH CHIP.  It might be really expensive. Or it could be free.  That’s your choice.

Still have questions?  We have answers.

AGD Auto Glass & Tint Co. 

3414 S Mill Ave | Tempe, AZ 85282 | 602-759-5900 | Website

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Central: 602-759-5900
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Windshield Repair/Replacement Services, Auto glass Film, Car Wraps & More Serving the valley as well as the entire state of Arizona. 

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