Arizona auto insurance is required by state law, but in very small amounts. If you only purchase state minimum coverage, you can almost guarantee facing financial problems down the road because of your lack of insurance. However, the law for auto insurance in Arizona only requires the following:

•     $15,000 per person for injury coverage
•     $30,000 per accident for injury coverage
•     $10,000 per accident for property damage coverage

There are discounts available on your Arizona auto insurance, which can include: good driver discounts, good student discounts, multiple car discounts, non-smoking discounts, and vehicle safety features discounts. In addition to shopping around and comparing rates, these discounts can save you a lot of  money on auto insurance in Arizona.

Your rates for insurance will initially be calculated from a variety of factors, including:

•     driving history
•     age
•     gender
•     car information
•     amount of coverage needed
•     credit score/rating
•     marital status

It's important that you are aware of the limits of your auto insurance policy. If people aren't listed on the policy specifically, it's likely that they are excluded from coverage in most cases. You should also know that if you are involved in a no-fault accident, it is illegal for insurance companies to raise your rates according to state law.