Arizona Auto Insurance

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Arizona Auto Insurance

Arizona Auto Insurance Requirements

Before you shop for auto insurance in Arizona, it’s a good idea to know the type and amount of coverage this state requires. The four basic categories of auto insurance coverage are liability, collision/comprehensive, uninsured/underinsured motorist, and No-fault/PIP; however Arizona does not require drivers to carry all four. Here’s rundown of what’s required and what’s not:
Liability

Minimum required Arizona auto liability coverage amounts are 15/30/10. If you opt for these minimum coverage requirements and you’re found at-fault in an accident, your insurer will pay up to $15,000 of the other driver’s medical, lost pay and/or funeral expenses. If more than one person is involved in the accident you caused, your insurer will pay a combined total of up to $30,000 to cover bodily injury expenses. Your insurer will also pay repair costs up to $10,000 for any damage to property including the other driver’s car, buildings, guardrails, signage, etc. that happens as a result of the accident you caused.

Collision/Comprehensive

This type of auto insurance coverage is not required under Arizona state law. However, should you be found at-fault in an accident and you have this type of coverage, your insurer will pay to repair damage done to your vehicle, up to your chosen coverage limit. With this type of coverage, your insurer will also pay for repairs to your car, up to your chosen limits, for damage resulting from weather or wildlife.

Uninsured/Underinsured Motorist

If you choose this type of optional coverage, your insurer will pay for damage to your car that was caused by an uninsured motorist, or will pay the balance of the repair costs that the underinsured motorist’s insurance did not cover, up to your chosen coverage limit. It also protects drivers when they’re involved in hit-and-run accidents.

No-Fault/PIP or Personal Injury Protection

No-Fault coverage was devised as a way to reduce the number of lawsuits that emerge from auto accidents by requiring the insurance providers for both the at-fault driver and the other party to cover their respective insured party’s accident-related expenses. This is done regardless of fault and releases the at-fault party from further liability. Exceptions are made in the most severe situations which is why even in a no-fault state, which Arizona is, drivers are required to carry liability coverage.

Arizona Department of Insurance

Arizona residents are encouraged to visit www.id.state.az.us for more information on state auto insurance laws. They can also contact the Arizona Department of Insurance at 1-800-325-2548.

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