CAR INSURANCE BY STATE

As a resident of the state of Arizona, a “Tort” state, you are responsible for any and all property damage and injuries incurred in an accident in which you are at fault. All drivers are required to provide proof of financial responsibility, which can be obtained in one of the following ways:

  • A standard auto insurance policy
  • A certificate of insurance, a bond, or a certificate of deposit or cash in the amount of $40,000

If you choose to purchase an auto insurance policy, you must maintain minimum liability requirements. Arizona has relatively low minimum liability requirements (15/30/10 – see the chart below for more information). Keep in mind that these are only the minimum requirements of the state, and choosing a larger policy may help protect you and your financial interests further on down the road. Optional policies for collision, comprehensive, medical payments, uninsured as well as underinsured motorists are all offered by Arizona auto insurance companies.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes $15,000 per person$30,000 per accident
Property Damage Liability Yes $10,000
Uninsured Motorist Bodily Injury No $15,000 per person$30,000 per accident
Underinsured Motorist Bodily Injury No

Auto Insurance for Leased Vehicles in Arizona (AZ)

Most leasing companies in Arizona typically require drivers to maintain insurance coverage which exceeds the minimums set by Arizona state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000
  • Comprehensive and collision coverage: $500 maximum deductible

Insurance Agents By City/Town In Arizona

Contacts for Auto Insurance Information in Arizona

Arizona Department of Transportation: Motor Vehicles Division 
PO Box 2100
Phoenix, AZ 85001
www.azdot.gov/mvd
Arizona Department of Insurance
2910 N. 44th Street
Suite 210
Phoenix, AZ 85018-7269
www.id.state.az.us