Buy Cheap Arizona Auto Insurance in 2024
Compare Quotes Now
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$15,000 limit per person / $30,000 limit per accident
Property Damage Liability
$10,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Arizona Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No.
No.
All Cell Phone Use Ban for Novice Drivers:
No.
No.
Texting Ban:
No.
No.
DUI Laws
Buy Cheap Arizona Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
.15 or above
There's an increased penalty for driving with a BAC 0.15 or above.
1st offense Suspension:
90 days
Administrative license suspension on the 1st offense: In Arizona, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted after 30 days.
Ignition Interlocks:
Mandatory for all offenders
Ignition Interlocks: These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Arizona has made ignition interlocks mandatory for all convicted drunk drivers, even first-time offenders.
Repeat Offenders:
None
None in Arizona.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, jar or other receptacle containing any spirituous liquor that has been opened, the seal broken, or with partial contents removed in his or her possession.
Graduated Drivers License
Buy Cheap Arizona Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years and 6 months of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. In this stage, the new drivers are required to get 30 hours of supervised driving hours, 10 of which need to be at night and 0 with driver's education.
Intermediate Stage:
Age: 16
Night Driving Restriction: Midnight-5am
Passenger Restriction: No more than 1 passenger under 18 for first 6 months
(Some limits are applied to unsupervised drivers in high-risk situations): 16-year-old drivers who passed the driver's test are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of Midnight and 5am and they cannot have more than 1 passenger under 18 for the first 6 months.
Full Privilege Age:
Age: 16.5
(Full driver's license): At the age of 16 and 6 months, Arizona drivers can get a standard driver's license without restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Urban Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Other Limited Access Roads:
SPEED LIMIT
65
MPH
SPEED LIMIT
65 MPH
Page Source: ghsa.org
Buy Cheap Arizona Auto Insurance in 2024
Department of Insurance
Website: www.azinsurance.gov/
Address: 2910 N. 44th Street, Ste. 210 (2nd Floor), Phoenix, AZ 85018-7269
Phone: 602-364-2499 or 800-325-2548 (In Arizona but outside the Phoenix area)
Call Center Hours: Monday - Friday 8:00 am to 5:00 (Except state holidays)
Buy Cheap Arizona Auto Insurance in 2024
DMV Information
Website: www.azdot.gov/MVD/
Phone: 602-712-7355 or 602-255-0072