The Grand Canyon, the Mogollon Rim, the Petrified Forest, Tombstone, the OK Corral and the Saguarro Cactus; Arizona is home to an array of wonders that are uniquely southwestern. “Snow birds” (tourists who “fly” south for Arizona’s mild winters), make Arizona a popular destination year-round. Whether driving through, spending a season or calling Arizona home, drivers from all walks of life spend time in the “Grand Canyon State.” That’s why CheapCarInsurance.net has made the effort to find all the necessary information and arrange it in the following, easy-to-read list to keep Arizona drivers safe, secure and informed.
Car Insurance Quotes for Arizona
Maricopa County Car Insurance
With year-round pleasant weather and pristine golf courses, Maricopa County in south central Arizona is the fourth most populous in the U.S. The county seat is Phoenix, the state capital. Home to more than half of Arizona residents, Maricopa is one of the largest counties in the U.S. by area, with more than 9,000 square miles. In fact, the county alone has more land area than seven states.
Named for the Maricopa Indians, the county is home to five reservations, the largest of which is the Salt River Pima-Maricopa Indian Community. The Heard Museum in Phoenix focuses on Native American History. Unique attractions in Phoenix also include the Musical Instrument Museum, Desert Botanical Garden and the Hall of Flames Firefighters Museum.
Pima County Car Insurance
Pima County lies along Arizona's southern border with Mexico, the second most populous county in the state with a population of about 1 million. It comprises the Tucson metro area and includes parts of Saguaro National Park. Tucson is its county seat, largest city and major employment hub.
With its Mexican and Native American influences, the area has a western flavor and is a popular destination for visitors. Points of interest include the Arizona-Sonora Desert Museum, Old Tucson Studios and the Titan Missile Museum. Tucson is also home to interesting tourist draws such as the History of Pharmacy Museum, Mini Time Museum of Miniatures.
Pinal County Car Insurance
Between Phoenix and Tucson is Pinal County, Arizona, a suburban area that benefits from both major cities. Its county seat is Florence, a city of about 25,000, and its largest community is Sun Tan Valley, a census-designated place that is home to more than 81,000 people.
Once undeveloped desert, Pinal County grew rapidly after the year 2000. Golf, ATVs and horseback riding are popular pastimes. The McFarland State Historic Park in Florence draws history buffs to the renovated structure that once housed its original jail and courtroom. Original details include lamps and photos taken during World War II.
Yavapai County Car Insurance
One of the four original counties created by the first Arizona Territorial Legislature, Yavapai is named for the principal inhabitants of the area at the time it was annexed by the U.S. The central Arizona County is about the size of New Jersey, home to about 223,000.
The county seat is the City of Prescott, and its largest city is a suburb of that city known as Prescott Valley, home to about 45,500 residents. About 10 minutes away is the Prescott National Forest, popular for fishing, hiking and camping. The City of Sedona straddles the Coconino and Yavapai county lines. Among its unique characteristics is a large tumbleweed Christmas tree displayed each holiday season.
Mohave County Car Insurance
Dominating the northwestern corner of Arizona is Mohave County, which contains parts of Grand Canyon National Park and Lake Mead National Recreation Area. Two distinct sections of the county are divided by the Grand Canyon: a northern, less populated section and larger southern section bordering Nevada and California. The southern section includes the county seat of Kingman and part of the Mojave Desert.
Mohave County has 43 known ghost towns, many abandoned after local mines were depleted. Many contain only a few ruins, graves and building foundations, but a few have a handful of residents still living there. The county is reportedly the largest supplier of turquoise.
Yuma County Car Insurance
Located in the southwestern corner of Arizona, Yuma County is home to about 200,000, nearly half of which live in the county seat of the same name. It is noted as the driest and sunniest place of any populated area in the U.S., with 175 days per year over 90 degrees. In 1995, Yuma reached its all-time high of 124 degrees.
Favorites among visitors to Yuma include the Territorial Prison State Historic Park, a former prison turned museum, and Castle Dome Mines Museum and Ghost Town. Yuma is also home to what is called the "Bridge to Nowhere," an 800-foot suspension bridge build over the Gila River in 1929. The river was later diverted and the highway abandoned, but the bridge has held up well.
Coconino County Car Insurance
Boasting the Grand Canyon National Park, scenic Coconino County lies between the Phoenix metro to the south and the southern border of Utah. An estimated one-third of its 135,000 residents are Native American. Its seat and largest city is Flagstaff, named after a flagpole crafted by a scouting party to celebrate the U.S. Centennial in 1876.
Coconino County is home to the San Francisco Peaks, the highest mountain range in Arizona. The second largest county in the continental U.S., it has long been a magnet for outdoor enthusiasts. Popular destinations for visitors are Humphrey's Peak, the highest point in the state, Meteor Crater, Lava River Cave and Walnut Canyon National Monument.
Cochise County Car Insurance
Tucked into the southeastern corner of Arizona, Cochise County is home to an estimated 132,000, bordering New Mexico on the east and Sonora, Mexico to the south. The county seat of Bisbee, a town of under 6,000 that was first founded in 1880 for copper and gold mining and now home of the annual Bisbee 1000 Stair Climb and Ice Man Competition.
Sierra Vista is Cochise County's most populous city, with an estimated 44,000 residents. It is a popular destination for birdwatchers and amateur astronomers. Other popular tourist draws are historic downtown Bisbee, Garden Canyon, Carr Canyon and Brown's Canyon Ranch.
Navajo County Car Insurance
The northern Arizona County of Navajo was split from neighboring Apache County in 1895. It is home to the Hopi Indian Reservation, Navajo Nation and Fort Apache Indian Reservation. Within its boundaries are part of the Petrified Forest National Park and the largest grove of Ponderosa Pines in North America.
Cities within Navajo County include the county seat, Holbrook, Show Low and Winslow. Winslow's "Standin' on the Corner" statue is a popular tourist attraction and photo opp based on the 1970s Eagles song. Its 1950s era gas station and Holbrook's Wigwam Village Hotel are popular Route 66 stops. A 4,000-foot in diameter meteorite crater in Winslow is reportedly the best preserved on Earth.
Apache County Car Insurance
Located in Arizona's northeast corner, Apache County contains the Arizona portion of the Four Corners Monument, the site where one can be in four states at once. It is home to about 70,000, or about 6 people per square mile. The county seat is St. Johns, a town of only about 3,500. Its most populous community is Eagar, with just under 5,000 inhabitants.
Its second largest city, Chinle, is the location of popular scenic draws such as Canyon de Chelly National Monument, White House Ruins Trail, Spider Rock and South Rim Drive. Nearby Window Rock is the home of the Navajo Nation Museum, Navajo Reservation and Monument Valley Navajo Park.
Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.
Average Car Insurance Premiums
Insurance premiums have remained above the national average in Arizona for several years until 2011. The NAIC.org indicates that Arizona’s premiums were about the same as the national average in 2013.
Drunk Driving Fatalities
Arizona’s drunk driving fatalities are continually far below the national average, according to the National Highway Traffic Safety Administration.
Teen Drinking and Driving
Arizona teens drink and drive at a slightly higher percentage than the national average according to the Center for Disease Control. While Arizona indicates a teen drinking and driving percentage of 10.7 percent, the national average shows 10.1 percent.
Vehicular Theft in Arizona
The FBI reports Arizona’s soaring auto theft numbers as well above the national average. Although Arizona’s statistics are high in this area, they are showing signs of improvement.
LAWS & REGULATIONS
Arizona’s famous monsoons can bring torrential downpours causing instant flash floods in the middle of the desert. Insurance laws and regulations seem to switch just that fast. Because of these never-ending changes, here is a list of the most current key points to keep drivers in the loop.
Minimum Requirements for Car Insurance in Arizona
- Arizona’s Department of Transportation states that all drivers must be covered by a minimum of liability insurance.
- Arizona Liability Coverage minimums include:
- $15,000 for bodily injury involving a single person.
- $30,000 for bodily injury involving two or more people.
- $10,000 for property-damage liability coverage.
- Arizona requires all drivers carry proof of current insurance, and failure to do so could result in vehicle registration and drivers license suspension. Penalties could also include the requirement to purchase SR22 insurance, which can be costly to the driver.
New Driver Licensing Requirements
Arizona requires all drivers to be licensed to drive a vehicle in the state, and the Arizona Motor Vehicle Division (MVD) typically issues an “extended” license. The extended license is valid until the driver reaches the age of 65; however, the vision screening and the photo must be renewed every 12 years. Drivers age 60 and older must renew their license every 5 years, and no regular driver license may be issued to a driver under the age of 18.
The Arizona requirements to obtain a drivers license are listed below, and, for further information, the Arizona Drivers Manual can be accessed here.
- Vision Test. Applicants must pass the vision test with a visual accuity of at least 20/40. Corrective and telescopic lenses may be worn, and night vision restrictions can be applied to a license. This allows an applicant with less than 20/40 visual accuity to drive under certain restrictions. The Arizona MVD addresses these restrictions in detail.
- Written Test. Three attempts within 12 months allow all applicants who require the written test adequate opportunity to pass. Upon three failures, the applicant must pay fees to begin a new application. Touch-screen computer workstations at select MVD offices provide the applicant with 30 multiple-choice questions. Applicants can study the Arizona Driver License Manual (link provided above) and take multiple Practice Tests to prepare for the exam. Some applicants with current out-of-state licenses may not need to take this test, and verbal options are available for applicants needing assistance.
- Road Test.As with the written test, Arizona MVD allows three attempts to pass the road test within a 12 month period. The applicant must provide his/her own vehicle that must be registered and insured with current license plates and tabs. The applicant must be able to understand traffic signs prior to driving the test. The Arizona Driver Manual states that the administrator will evaluate the applicant’s ability to execute the following commands/actions when instructed to do so in English:
- Slow down
- Drive straigt ahead
- Use of turn signals
- Left and right lane change
- Turn (left/right) at the next street, corner, stop sign, or traffic light
- Honk the horn
- Seat belt
- Pay a License Fee.Although a Learner’s Permit holds a fixed $7 fee, Arizona’s drivers license fees vary by age:
- Ages 16-39: $25
- Ages 40-44: $20
- Ages 45-49: $15
- Ages 50-Up: $10
- Drivers Under the Age of 18. A graduated license is issued to drivers over 16 and under 18 who have held a learner’s permit for 6 months. To obtain the graduated license, the applicant must either complete an MVD-approved driver education course or be able to provide proof of 30 hours of supervised driving. This must be documented by a parent or legal guardian, and it must include 10 hours of night driving.
- Drivers Under the Age of 21. While all regular driver licenses in Arizona are horizontally oriented, the state issues vertically oriented licenses to drivers under 21. These licenses also include the date the driver turns 21.
- BAC limit: .08 Arizona institutes jail time for any DUI/DWI offense and also requires drug or alcohol screening before being eligible to re-instate a permit or driver license. .
- First Offense:
- Minimum jail time of 10 days with no eligibility for parole or sentence suspension.
- $1,250 minimum fine.
- Ignition interlock device.
- Perform community service.
- Second and Subsequent Offense:
- Minimum jail time of 90 days
- $3,000 minimum fine.
- Ignition interlock device.
- License revocation of 1 year.
- Perform community service.
- Arizona law also makes a distinction between DUI (BAC of .08), extreme DUI (BAC of .15 or higher) and aggravated DUI. Aggravated DUI includes a driver who commits a DUI with a passenger under the age of 15, commits DUI while his/her license is suspended, canelled or revoked, commits a third DUI within 84 months or commits a DUI or refuses to submit to a blood alcohol test while under the ignition interlock restriction. Penalties for extreme and aggravated DUI are increasingly more severe.
- For additional information regarding Arizona’s ignition interlock systems, visit Arizona’s DOT website
Texting & Driving Laws
Distraction.gov currently reports that Arizona has banned only school bus drivers for all cell phone use (hands-free and handheld).
Arizona, uniquely southwestern, has some uniquely southwestern laws on its books. For instance, it is illegal to hunt camels or to let a donkey sleep in a bathtub. In Prescott, do not ride a horse up the steps of the county courthouse. And for Arizona drivers, a difficult law to enforce would be the prohibition to drive a car in reverse in the city of Glendale!