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Liability insurance is the only type of insurance Arizona requires drivers to carry. Why does it matter? Liability insurance helps cover damages and injuries you may cause to others if you’re the at-fault party in a car accident. While it’s necessary to meet the minimum requirements, it’s advisable to aim for higher coverage if you can, as you’ll be expected to pay out-of-pocket to cover any bills that exceed your limits.
In Arizona, the minimum required liability insurance coverages include the following:
Keep in mind, the required minimum limits may not be sufficient if you’ve been involved in an accident. If possible, it’s a good idea to purchase greater liability insurance, uninsured motorist coverage, collision, and comprehensive insurance. This way, you can feel confident you’re protected financially in any situation.
Here’s a quick breakdown of the optional coverages mentioned above:
The penalties for not having adequate insurance in Arizona are steep. Make sure your insurance meets the required limits and you’ll avoid the following:
Do you have more questions about car insurance in Arizona? Before you buy, contact Cactus Jack's Auto or visit us near Mesa and Surprise! We can provide you with even more advice, whether you’re a first-time buyer or applying for an auto loan with no credit.