Insurance

Here’s some good news about insurance. Your teen won’t need it until licensed and driving without you or an instructor in the car. Once your teen gets a graduated instruction permit, you’ll want to talk to your insurance agent about costs and other issues involved in adding your teen to your policy. Most families do this by adding the teen to their existing auto insurance policy. You could also use this as a time to comparison shop to find the best insurance option for the whole family and your vehicles.

Saving Money on Insurance

Because the risk of a crash is significantly higher for young drivers, particularly during the first year of driving, your teen’s insurance rate likely will be higher than your own. In this phase of the preparing-to-drive process, you may want to consider these strategies to keep your family’s costs down.

Insurance Requirements in Arizona

All Arizona drivers are required to have insurance at the minimum levels of $15,000 per person for bodily injury, $30,000 per accident for bodily injury and $10,000 for property damage (15/30/10). While these minimum levels comply with statute, AAA believes they are insufficient for real-world driving. AAA's agents can give you advice on available coverage limits (up to $1 million per person, per accident and property damage through AAA) and craft a policy that meets your needs, as long as it complies with state statute. The majority of members with AAA insurance carry at least $100,000 per person and $300,000 per accident, or higher.