Can you go to jail for driving without insurance in Arizona? This question is about Cheap Car Insurance in Arizona

No, you cannot go to jail for driving without insurance in Arizona, but you can face other serious consequences, such as suspension of license and fines up to $1,000. Driving without insurance in Arizona is illegal and can have a serious impact on your car insurance rates moving forward. Penalties for Driving Without Insurance in Arizona Fine of up to $500 for the first offense, at least $750 for the second offense, and at least $1,000 for subsequent offenses Suspension of license up to 3 months for the first offense, up to 6 months for the second offense, and for up to 1 year for subsequent offenses Suspension of registration up to 3 months for the first offense, up to 6 months for the second offense, and for up to 1 year for subsequent offenses SR-22 requirement for 3-5 years for the first and subsequent offenses If you are in an accident while driving uninsured in Arizona, you will still face the consequences of driving without insurance even if you’re not at fault. Additionally, if you cause the accident, you’ll be liable for property damage and medical expenses for anyone else who was involved. The only way to avoid this is by being insured. Check out WalletHub’s picks for the cheapest car insurance companies in Arizona to start shopping for a policy.

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Can you go to jail for driving without insurance in Arizona?

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This question is about Cheap Car Insurance in Arizona

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McKayla Girardin, Car Insurance Writer

@mckayla_girardin • 04/27/22 This answer was first published on 04/27/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, you cannot go to jail for driving without insurance in Arizona, but you can face other serious consequences, such as suspension of license and fines up to $1,000. Driving without insurance in Arizona is illegal and can have a serious impact on your car insurance rates moving forward.

Penalties for Driving Without Insurance in Arizona

Fine of up to $500 for the first offense, at least $750 for the second offense, and at least $1,000 for subsequent offenses
Suspension of license up to 3 months for the first offense, up to 6 months for the second offense, and for up to 1 year for subsequent offenses
Suspension of registration up to 3 months for the first offense, up to 6 months for the second offense, and for up to 1 year for subsequent offenses
SR-22 requirement for 3-5 years for the first and subsequent offenses

If you are in an accident while driving uninsured in Arizona, you will still face the consequences of driving without insurance even if you’re not at fault. Additionally, if you cause the accident, you’ll be liable for property damage and medical expenses for anyone else who was involved. The only way to avoid this is by being insured.

Check out WalletHub’s picks for the cheapest car insurance companies in Arizona to start shopping for a policy.

Answer Question

How does car insurance work in Arizona?

Arizona is an at-fault state, which means that the at-fault driver is responsible for paying for everyone injured in the accident. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP).

Drivers in Arizona are required to carry at least $25,000 in ... read full answer bodily injury liability insurance per person, up to $50,000 per accident, and $15,000 in property damage liability insurance. When an insured driver is responsible for an accident, liability insurance covers the other driver’s expenses.

On average, state minimum coverage costs $1,606 per year in Arizona, but there are many factors that can affect how much you pay for a policy. Any coverage above and beyond what is required by Arizona law is optional, but it’s usually worth the money to get some additional protection. The biggest reason is that state minimum coverage doesn’t protect your personal vehicle. For insurance to pay for damage to your car, you’ll need full coverage.

In Arizona, full coverage refers to a policy that includes collision and comprehensive, plus higher coverage limits than what is required by state law. Full coverage car insurance costs about $4,684 per year in Arizona. There may be cases when you don’t need full coverage insurance, but Arizona drivers should buy as much coverage as they can afford as a general rule.

Most policies offer coverage for six months to one year at a time and can be paid in a variety of ways, including monthly payments. The best car insurance companies in Arizona balance affordability with quality coverage and strong customer service. You can easily get a quote from top companies like State Farm, Allstate, American Family, The Hartford and Safeco online or over the phone, or use WalletHub’s comparison tools to find the best car insurance policy for your needs.

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How much is car insurance in Arizona per month?

Car insurance in Arizona costs $60 per month or $720 per year for minimum coverage, on average. The cheapest car insurance companies in Arizona are Noblr, Auto-Owners, and Geico, and getting quotes from several companies can help you find the best deal.

The average cost of car insurance in Arizona is 7% higher than the ... read full answer national average auto insurance premium. There are several factors that affect how much you’ll pay for car insurance in Arizona, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.

Average Cost of Car Insurance in Arizona by Category

After an at-fault accident: $262 per month

Driver with poor credit: $109 per month

Teen driver: $346 per month

After a DUI: $106 per month

Average Cost of Car Insurance in Arizona by Company

Company	Minimum Coverage	Full Coverage
AAA	$791 per year	$1,647 per year
Allstate	$714 per year	$2,480 per year
Farmers	$816 per year	$2,628 per year
Geico	$406 per year	$1,270 per year
Esurance	$764 per year	$1,856 per year
Nationwide	$975 per year	$2,633 per year
Progressive	$798 per year	$1,609 per year
State Farm	$586 per year	$1,650 per year
Travelers	$503 per year	$1,547 per year
USAA	$420 per year	$1,583 per year

Note: Rates are an approximation based on a 45-year-old man in Arizona with a clean driving record. Actual rates will vary.

Average Cost of Car Insurance in Arizona by Age

Age	Average Annual Premium
16 years old	$4,152 per year
17 years old	$3,463 per year
18 years old	$2,578 per year
19 years old	$1,988 per year
20 years old	$1,718 per year
21 years old	$1,364 per year
22 years old	$1,223 per year
23 years old	$1,120 per year
24 years old	$1,060 per year
25 years old	$903 per year
35 years old	$766 per year
45 years old	$720 per year
55 years old	$684 per year
65 years old	$754 per year

Note: Rates are an approximation based on a driver in Arizona with minimum coverage and a clean driving record. Actual rates will vary.

How to Lower the Cost of Car Insurance in Arizona

Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.

Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.

Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.

Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.

To learn more, check out our guide to how much car insurance you need in Arizona as well as our picks for the cheapest car insurance companies in Arizona.

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How do I get car insurance in Arizona?

You can get car insurance in Arizona by comparing quotes from both national and local insurance companies to find the best deal, then purchasing coverage online, by phone or in person. In Arizona, only liability car insurance is required for all drivers.

7 Steps to Get Car Insurance in Arizona

... read full answer

1. Gather vehicle and driver details

You’ll need to have information about yourself and any other drivers you want on your policy, including driver names, addresses, and driver’s license numbers. You will also need details about the vehicles you’d like to insure, such as vehicle makes and models, VINs, and mileage.

2. Decide how you want to purchase insurance

Most insurance companies allow you to purchase car insurance online. You can also purchase it over the phone or in person through a company’s dedicated agent or through an independent insurance broker. Purchasing through an agent or broker instead of online may be better for people who are less tech-savvy and want to have a person walk them through the available options.

3. Look into the required types of insurance in Arizona

In Arizona, drivers must have at least a minimum amount of bodily injury liability and property damage liability insurance.

Type of Coverage	Required Limits
Bodily injury liability per person	$25,000
Bodily injury liability per accident	$50,000
Property damage liability	$15,000

4. Consider additional types of coverage

You should look into optional types of coverage, like collision and comprehensive. While they aren’t required by state law, lenders and lessors will often require financed vehicles to carry collision and comprehensive insurance, and these types of coverage can help protect your finances.

5. Compare quotes

Comparing prices from several different companies is the best way to make sure you’re getting the best deal.

Cheapest Car Insurance Companies in Arizona

Company	Average Cost
Noblr	$256 per year
Root	$613 per year
Geico	$647 per year
Auto-Owners	$881 per year
Country Financial	$915 per year

6. Check for discounts

Always make sure you’re taking advantage of every discount available.

7. Pay for your policy

You’ll need to figure out whether you’d rather pay monthly or pay in full up front. Most companies offer a slight discount for paying up front. When choosing a specific policy, you’ll also need to pick deductibles for certain types of coverage, like comprehensive and collision.

To learn more, check out WalletHub’s guide to getting car insurance.

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