Understanding Minimum Auto Insurance In Arizona

Arizona requires drivers to have car insurance that meets or exceeds certain minimum coverage levels. The state requires proof of insurance before a vehicle can be registered, and drivers must also carry proof of insurance while driving. Arizona's minimum coverage levels are: $25,000 per person and $50,000 per accident in bodily injury liability, and $15,000 in property damage liability. These coverage types are per person, per accident, and property damage, and are known as a split limit as they list the limits of three separate coverage types.

Minimum insurance requirements in Arizona

Arizona requires drivers to have car insurance that meets or exceeds certain minimum coverage levels. These minimum requirements are relatively low compared to other states, so it is recommended that drivers obtain additional coverage.

The minimum coverage levels in Arizona are as follows:

• Bodily injury liability coverage: $25,000 per person and $50,000 per accident. This covers the medical expenses, hospital stays, ambulance transport, and lost wages of those injured in an accident caused by the policyholder.
• Property damage liability coverage: $15,000 per accident. This covers damage to other people's property, such as vehicles or street signs, caused by the policyholder.
• Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident.
• Underinsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident.

Drivers in Arizona must provide proof of insurance before registering a vehicle, and they must also carry proof of insurance while driving. Failure to show proof of insurance can result in the suspension of driving privileges and fines.

Proof of insurance

In Arizona, drivers must have proof of insurance before they can register a vehicle. Every driver must have at least the minimum amount of liability coverage and must carry proof of insurance while driving. This is also referred to as proof of financial responsibility. The minimum amounts of car insurance coverage that drivers are required to carry in Arizona are:

• Minimum Liability Coverage: 25/50/15
• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $15,000 for property damage per accident

There are several scenarios in which you may be required to present proof of insurance coverage. These include:

• Leasing or financing a car purchase
• Being pulled over by a police officer
• Being given a loaner vehicle at a dealership
• Registering your vehicle at the Department of Motor Vehicles (DMV)

Bodily injury liability coverage

In the state of Arizona, drivers are required to have a minimum amount of auto insurance. This includes bodily injury liability coverage, which pays for the injuries of others for which the insured driver is legally responsible due to an auto accident. This type of coverage does not pay for the bodily injury of the insured driver, only the injuries of others.

The minimum bodily injury liability coverage in Arizona is $25,000 per person and $50,000 per accident. This means that if a driver is at fault in an accident and multiple people are injured, the insurance company will pay up to $25,000 for each person's injuries, with a total limit of $50,000 for all injuries caused by the accident.

It is important to note that Arizona's minimum insurance requirements are quite low, and it is recommended that drivers obtain coverage above the state minimums. Minimum coverage may not be sufficient to cover all costs associated with an accident, and drivers could be left with significant out-of-pocket expenses.

Additionally, drivers in Arizona are required to carry proof of insurance and must show this proof when registering their vehicle. Failure to maintain the minimum insurance requirements can result in penalties, including the loss of driving privileges and fines.

Property damage liability coverage

Arizona requires drivers to have car insurance that meets or exceeds certain minimum coverage levels. One of these is property damage liability coverage. This type of insurance covers the cost of repairs for damage caused to someone else's property, such as their vehicle, or businesses, houses, fences, lamp posts, and mailboxes. It also covers legal defence fees incurred for the property damage claim.

It is important to note that property damage liability coverage will not cover damage to your own vehicle. Coverage for your own property falls under comprehensive and collision coverage, which you pay for separately.

The minimum coverage amounts in Arizona are considered quite low, so it is recommended that drivers obtain coverage above the state minimums. This will help ensure that you have sufficient coverage in the event of an accident and reduce the risk of having to pay for some costs out of pocket.

Optional insurance coverages

Arizona law requires drivers to carry liability insurance, but there are several other types of optional insurance coverage that drivers can add to their policies. These include:

• Collision coverage: This type of insurance covers your vehicle if you are involved in a collision with another driver or object (excluding animals). It can pay for needed repairs or a replacement if your car is totaled, regardless of who is at fault.
• Comprehensive coverage: Comprehensive insurance protects your vehicle from non-collision damages, such as theft, weather damage, and hitting an animal. It also covers you if your car is vandalised or stolen.
• Roadside assistance: This coverage provides assistance in the event of a breakdown. Services covered vary by company but may include battery jumps, flat-tire fixes, and towing to a nearby garage.
• Medical payments coverage: This type of insurance covers medical and funeral costs for you and your passengers up to a specified amount.
• Uninsured/underinsured motorist coverage: This insurance covers you if you are hit by a driver without enough insurance coverage. It can pay for your medical bills, car repairs, and other expenses.
• Rental car reimbursement coverage: This coverage helps pay for a rental car while your primary vehicle is being repaired.
• Special equipment coverage: This coverage protects any customisations you have made to your vehicle by paying for certain damages following an accident.
• Mexico limited coverage: This endorsement extends your coverage when you make infrequent, short trips into Mexico.

Frequently asked questions