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Minimum State Insurance Requirements » Arizona

15 / 30 / 10

Personal injury insurance for the driver: $15,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $30,000

Property damage coverage per claim: $10,000



Arizona Car Insurance Information

Pertinent Arizona car insurance information includes liability coverage requirements, optional protection and average rates for insuring a vehicle in the state. Motor vehicle operators need to know what insurance is required by law and in what amounts.

Arizona Car Insurance Information

Arizona is a state with lots of open highway, congested urban traffic and unimproved road surfaces in rural areas. The climate ranges from intense heat in the summer to wind-driven rain and snow during the winter. Fully protecting a vehicle against damage is vitally important in the Grand Canyon State. Equally important is insurance protection in the event of an accident resulting in injury or property damage to innocent victims. Arizona law requires all drivers to carry liability insurance when operating a motor vehicle. It is an unfortunate fact that approximately 18 percent of all vehicles on Arizona roadways are driven by individuals with no insurance coverage, therefore carrying uninsured motorist protection is also highly advised.

Car Insurance Minimum Requirements

Arizona drivers must carry a liability insurance policy that covers the cost of bodily injury to non-fault individuals in an amount equal to or exceeding $15,000. The policy must also cover all injuries sustained in a single accident in an amount equal to or greater than $30,000. An additional $10,000 of insurance must be included to cover the costs of property or vehicle damage sustained by non-fault parties. Personal injury protection is not mandatory, but most insurance experts recommend carrying at least $5,000 in PIP.

Car Insurance Companies

Most of the well-known insurance providers in the United States have agents licensed to sell insurance in the state of Arizona. These agencies can be contacted by telephone or through their online websites. Many insurance agents provide complete coverage for vehicles, home, life and health, and will be happy to discuss the details of a combined policy. When contacting an insurance agent about Arizona car insurance information, vehicle operators should have all necessary information handy such as the car make and model, number of miles driven per week, safety features installed on the vehicle and the current insurance provider. If there are younger drivers in the family, ask about discounts for completed driver education classes or academic achievement.

Free Car Insurance Quotes For Arizona

Insurance compete with each other for business. Some specialize in certain types of policies or combined packages. When asking for a quote online, be sure to get the rates for a full liability coverage plan as well as comprehensive and collision insurance. The latter may be required if the vehicle is being financed. Obtain a free, no-hassle quote right now.

Car Insurance Rates

Arizona auto insurance prices depend on the insured and the type of car. Younger drivers will usually pay more for car insurance as will those with multiple accidents on their record. Liability insurance and collision/comprehensive protection is rather inexpensive in Arizona. On average, the monthly cost for insuring a family car is less than $86. Customers can save even more by insuring several vehicles or including coverage for a boat, personal watercraft or motorcycle.