Delaney Simchuk, Car Insurance Writer
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.
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