Insuring an Out Of State Vehicle – Car Insurance Questions
Reader’s Question:
My daughter wants to purchase a car, can we insure it in our policy in a New Jersey? Or should we remove her from our existing policy as an authorized driver?
Carol
Thank you for asking Carol.
If your daughter bought a car in Arizona, I do not think your New Jersey policy will cover her. Arizona requires that every motor vehicle operating on their public roads be covered by one of the statutory forms of financial responsibility through a carrier that is authorized to do business in the state of Arizona. Arizona law requires minimum liability coverage of $15,000/$30,000 for bodily injury liability and $10,000 for property damage liability. As for removing her name from your current Illinois policy, you will need to contact your insurance company to discuss this option.
Goodluck!
MariCAR
Is It Illegal to Drive in Arizona Without Auto Insurance?
Reader’s Question:
Is it illegal to drive without insurance in AZ?
Zoe
Thank you for asking Zoe.
Almost all state requires you to have car liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you will still need to have sufficient assets to pay claims if you get involved in an accident and caused damage to others in an accident. If you don’t have enough assets, you must get at least the state minimum amount of insurance.
The required coverages in Arizona are Bodily Injury and Property Damage. The minimum required limits are $15,000 per person and $30,000 per accident for Bodily Injury and $10,000 per accident for Property Damage. This requirement does not apply to motorcycles.
Goodluck!
MariCAR
What Is the Minimum Liability Auto Insurance In Arizona?
Reader’s Question:
What is the minimum liability insurance required in the state of Arizona?
Jay
Thank you for asking Jay
Arizona requires that every motor vehicle operated on the public roadways to be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance. You should get this from a carrier that is authorized to do business in Arizona. This includes golf carts, motorcycles and mopeds.
As of August 2006, minimum levels of financial responsibility are:
* $15,000 bodily injury liability for one person and $30,000 for two or more persons
* $10,000 property damage liability
Goodluck!
MariCAR
Can I Insure A Car Registered To My Parents?
Reader’s Question:
My sister is using a car registered in the name of our father. She lives in Ohio and moved to AZ. How will she be able to insure and register the car under her name? The car also has a lien on it. Thanks.
Paolo
Thank you for asking Paolo
The Arizona DOT states that an out-of-state title with a loan recorded against the motor vehicle, so that the title is being held by a lender in another state, the individual must give registration from the former state though the title may not be required. This does not help if your sister was not part of the registration or title in Ohio. If with the loan it is possible for your father to put your sister on the title as a co-owner I believe this would make the transfer process easier.
As for insurance Arizona state law requires that the insurance providers and the owner provide proof of Arizona car insurance within 30 days after initial registration. Your sister should contact Arizona’s DOT Motor Vehicle Division to get more information if and how he can register and insure the vehicle.
Goodluck!
MariCAR
Can I Insure Out Of State Vehicle In Arizona?
Reader’s Question:
My vehicle is licensed in the state of California but my sister is using it in the state of AZ. Can I get insurance in AZ and list my sister as an authorized driver?
Duke.
Thank you for asking Duke.
Typically you will need to insure the vehicle in the state in which it is registered and has its license plates in. If you are living in California and your sister drives it and garaged in Arizona it would not be easy to get AZ insurance on it if it still registered in California. Most insurance carriers will not want to insure vehicles from more than one household, meaning the owner living in one place and the car residing at a different place.
There is a difference in required car insurance between the two states as well. California’s mandatory liability insurance is 15/30/5 while Arizona requires 15/30/10.
It seems that in your case, to get the car properly insured in Arizona it would need to be registered in AZ. To get more information on how to do so you can contact the AZ DOT.
Goodluck!
MariCAR
Changing Insurance and Vehicle Registration Made Easy
Reader’s Question:
I live in MI and planning to go to AZ to stay there and go back to Michigan. How long do I have to change insurance and registration?
Albert
Thank you for asking Albert.
It will depend on how long you plan to stay in Arizona and what you plan on doing your time there if you will need to register your vehicle and get an AZ driver’s license. Arizona residency laws states that you will need to immediately get a state driver’s license and registration if you plan to work in the state, place children in school there, plans to have a business in AZ or remain in Arizona for 7 months or more during any calendar year, regardless of where you might have permanent residence.
All motor vehicle operated on Arizona public roadways must be covered under one of the statutory forms of financial responsibility, commonly known as liability insurance, through a provider that is authorized to do business in Arizona.
Goodluck!
MariCAR
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