Arizona Auto Insurance Requirements: What You Need to Know
Arizona requires all drivers to carry auto insurance. Understanding the state's requirements and common coverage gaps helps you stay protected on Arizona roads.
Arizona's Minimum Auto Insurance Requirements
Arizona mandates liability coverage with minimum limits of 25/50/15:
Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $15,000
Covers damage you cause to others' property—vehicles, fences, buildings, and other structures.Why Arizona Minimums May Not Be Enough
Growing Medical Costs
Phoenix and Tucson healthcare costs continue to rise. Serious accident injuries can easily exceed $25,000 per person.Vehicle Values
With average new vehicle prices exceeding $47,000, the $15,000 property damage minimum is often inadequate for today's cars.Your Assets at Risk
If you cause an accident exceeding your limits, you're personally responsible for the difference. Your savings, property, and future wages could be at risk.Recommended Coverage
Consider at least 100/300/100 for better protection. The premium increase is typically modest compared to the additional coverage.Arizona-Specific Considerations
Uninsured Motorist Coverage
Arizona has a notable percentage of uninsured drivers. While not required, UM/UIM coverage protects you when the at-fault driver can't pay.Extreme Heat Effects
Arizona's intense heat affects vehicles:Monsoon Season
Summer monsoons bring:High Snowbird Season
Winter brings many seasonal residents unfamiliar with local roads, potentially increasing accident risk.Optional but Recommended Coverages
Comprehensive Coverage
Protects against:Collision Coverage
Covers your vehicle damage in accidents, regardless of fault. Required by lenders if you finance your vehicle.Medical Payments Coverage
Pays your medical bills regardless of fault—faster than waiting for liability claims.Saving on Arizona Auto Insurance
Get Arizona Auto Coverage
Arizona's minimum requirements may leave you exposed. Let us help you find coverage that truly protects you and your assets.
*Coverage options and rates vary by carrier and circumstances. This information is educational only.*
Ready for a quote? Contact us or call (208) 880-5598.