Phoenix Car Insurance Quotes

Motorists in Phoenix spend an average of 25 minutes commuting to work. Therefore, it is essential for drivers to be adequately protected with a car insurance policy. The biggest city in Arizona is spread over 519 square miles, which means that many people have to travel long distances to and from their workplace. Moreover, the roads are congested, which can lead to a high rate of accidents. In addition, cities close to the border with Mexico have more incidences of theft, which can only be protected with a car insurance policy.

The state of Arizona has minimum requirements for auto insurance coverage. Motorists are required to be covered for at least $15,000 for bodily injury to one person, $30,000 for bodily injuries covering all passengers, and $10,000 as property damage liability. The state follows the tort system which is why it is advisable for motorists to opt for extra coverage in order to protect themselves from costly claims which can go well beyond the limit of $15,000. A motorist who is not at fault in an accident has the right to sue the driver at fault for pain and suffering. In addition, both drivers, whether at fault or not, must be able to prove their ability to pay for the damages.

Under Arizona laws, uninsured motorist coverage is not required. Motorists are required to carry proof of insurance at all times. When a car is purchased, proof of insurance must be presented within 30 days of registration with the DMV or Department of Motor Vehicles. It is also required to be presented at the time of an accident. Non-compliance with the laws including failure to purchase the minimum amount of car insurance coverage can result in a $250 fine and even suspension of the driver’s license. In a congested city like Phoenix, it is prudent to purchase more than the minimum requirement in order to protect your financial future.

Statistics in Phoenix, AZ

• Auto insurance premiums (average for the state): $905
• Fatal car crashes count: 144
• Vehicles involved in fatal car crashes: 236
• Fatal car crashes caused by drunken drivers: 59
• Persons involved in fatal car crashes: 414
• Pedestrians involved in fatal car crashes: 56
• Crime: High