Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The recommended car insurance coverage in Arizona is at least $25,000 in bodily injury liability insurance per person ($50,000 per accident) and at least $15,000 in property damage liability insurance. These types of coverage are suggested since they will satisfy Arizona's minimum coverage requirements.
It is also recommended that Arizona drivers consider purchasing a full coverage policy. Full coverage typically includes Arizona's minimum requirements as well as collision and comprehensive insurance, which cover repairs to your personal vehicle. In addition, if your net worth exceeds Arizona's minimum liability insurance limits, it's usually worth purchasing extra coverage.
Why You Should Get the Recommended Car Insurance in Arizona
- It will satisfy state requirements. In Arizona, you are required to carry liability insurance. If you are caught driving without the proper insurance coverage, you may face fines and driver's license suspension or revocation.
- It covers others' expenses. Bodily injury liability insurance pays for others' medical expenses and property damage liability pays for repairs to others' property after a car accident that you were at fault for.
- You can face lawsuits if you do not have enough coverage. High limits help to ensure that you will be able to cover others' medical expenses and property damage if you cause an accident. If your limits are not high enough to cover all medical expenses and property damage resulting from an accident you are at fault for, you may face lawsuits. Therefore, your liability insurance limits should be at least as high as your net worth in order to protect your assets.
If the standard liability limits offered by insurance companies are not high enough to cover your net worth, you can look into an umbrella insurance policy, which offers coverage limits starting at $1 million.
To learn more, check out WalletHub's guide to how much car insurance you need, as well as our picks for the best car insurance in Arizona.
People also ask
How much car insurance do I need in Arizona?
Drivers in Arizona need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $15,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Arizona is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
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read full answerWhat is full coverage insurance in Arizona?
Full coverage insurance in Arizona is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $15,000 in property damage coverage. Full coverage in Arizona also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $2,111 per year in Arizona, while a state minimum policy costs $720 per year.
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read full answerWhat insurance do I need for my car?
The insurance you need for your car is collision insurance, comprehensive insurance and uninsured motorist insurance. These types of coverage typically aren’t required, but you will need them if you want your car to be protected in any situation.
Exactly what insurance you need to simply drive your car legally depends on your state’s laws. Most states require at least bodily injury liability and property damage liability insurance, but they cover other people’s expenses when you cause a...
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