What Kind of Car Insurance is Required in Arizona?

January 17th, 2019 by

Car insurance paperwork

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.

Minimum Car Insurance in Arizona

In Arizona, the minimum required liability insurance coverages include the following:

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

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.

Optional Car Insurance in Arizona

Here’s a quick breakdown of the optional coverages mentioned above:

  • Uninsured Motorist & Underinsured Motorist: These two types of insurance protect you if you’re hit by a driver with no insurance or inadequate insurance. UM is available at a minimum of $15,000 per person and $30,000 per accident; UIM should match your liability bodily injury coverage.
  • Collision: Helps cover the costs of damage to your car, whether it was caused by a collision with a car or object.
  • Comprehensive: Helps cover damage caused by theft, fire, hail, flood, vandalism, explosions, falling rocks and other objects, and collisions with animals.
  • Personal Injury Protection & Medical Payments: PIP and MedPay cover the costs of injuries to you and your passengers, as well as lost wages and more.

What Are the Penalties of Not Having Insurance?

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:

  • First Offense: $500 fine and a potential three-month license suspension
  • Second Offense (within 3 years): $750 fine and a potential six-month license suspension
  • Third Offense (within 3 years): $1,000 fine and a potential one-year license suspension

Learn More From the Experts at Cactus Jack's Auto!

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.

More from Cactus Jack's Auto

  • What Kind of Car Insurance is Required in Arizona?

    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…

  • What Does Liability Insurance Cover?

    First, let’s talk about the auto liability insurance definition. Liability car insurance compensates other parties if they’re hurt or their property is damaged in a car accident where the insured is the “at-fault” driver. What does liability coverage pay for? There are two types of liability car insurance: property damage and bodily injury liability. If…

  • How to Protect Your Car During a Storm

    Heavy rains, floods, and falling debris can be hazardous to used cars in Phoenix and cause significant damage if the proper precautions are not addressed. Keeping your car under cover during these events will offer the greatest protection against damage; however, this isn’t always possible or practical. The information below looks at the measures you…

Posted in Car Protection