Phoenix Auto Insurance


Auto Insurance Information by State

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There are over two million registered cars in the Phoenix metropolitan area, which is more than the five boroughs of New York City. The state of Arizona alone has seen almost a million new vehicle registrations in the past decade. Here is a brief look at some auto-related statistics for Phoenix, Arizona:

  • 29,282 auto accidents in 2008
  • 17,307 vehicle thefts in 2009
  • Average commute time of 26.5 minutes
  • 18% of drivers are uninsured

With increasing numbers of new residents and vehicles on the road each year, comprehensive Phoenix auto insurance is a necessity. In order to properly register your automobile in Arizona, minimum standard auto insurance must be purchased from a Arizona Department of Insurance licensed insurer. The state of Arizona has established the minimum requirements in order to register an automobile and receive license plates, which includes the following:

  • Liability Insurance

Arizona's financial responsibility laws are designed to make sure any Arizona-licensed driver has enough insurance or money to pay for damages caused to others due to motor vehicle operation. This can be accomplished by purchasing basic automobile liability insurance to cover both bodily injury and property damage, which is required by state insurance law. Bodily injury coverage pays for medical expenses, lost wages, and pain and suffering for which you are legally liable. Property damage coverage pays for property damage that you caused due to an accident. It is important to note that neither of these policies covers medical costs or property damage costs for you, only the other driver(s) or pedestrian(s). Under Arizona law, you must be covered for a minimum of $40,000 for both bodily injury and property damage liability.

You must also be able to provide proof of insurance, which must be shown, among other instances, when asked for by a law enforcement officer or have an accident. Because of the high prices of vehicles and medical care, minimum insurance coverage may not be enough if you are found liable for causing an accident. Consider purchasing other insurance products if you are a Phoenix driver, such as medical payment coverage, personal injury protection, and uninsured/underinsured motorist coverage.

Because of the high prices of vehicles and medical care, minimum insurance coverage may not be enough if you are found liable for causing an accident. Consider purchasing other insurance products if you are a Phoenix driver, such as medical payment coverage, personal injury protection, and uninsured/underinsured motorist coverage. It is important to remember to shop for low prices as well as quality service. SmartAutoInsurance.com is dedicated to finding reliable and quality auto insurance in Phoenix, AZ.

Principal Department of Motor Vehicles locations are listed here:

  • 1703 Larkspur Dr., Tempe 85281
  • 4005 N. 51st Ave., Phoenix 85031
  • 221 E. Olympic Dr., Phoenix 85042
  • 1840 S. Mesa Dr., Mesa 85210
  • 300 W. Washington St., Phoenix 85003
  • 1801 W. Jefferson St., Phoenix 85007
  • 50 S. Beck Ave., Chandler 85226
  • 16380 N. 59th Ave., Glendale, 83506

The phone number for the Department of Motor Vehicles is (602) 255-0072.