Arizona car insurance

Car insurance laws in Arizona

As a resident of Arizona, you are required to carry car insurance and purchase coverage before you register your vehicle. Insurance coverage and cost may also vary depending on where within the state you live. Before you get started, here are some important factors to keep in mind:

Arizona teen driving laws

Young drivers are eager to get out on the road and experience that kind of freedom for the first time in their lives. To ensure safety on the road for everyone, it’s important to become familiar with the laws for new drivers in Arizona.

New drivers can apply for their learner’s permit once they turn 15 years old. After one year, a teen may apply for a level two permit, followed by after six months they can apply for a level three provisional full license. You can learn more about the rules a young driver in Arizona must follow here.

Minimum insurance requirements for Arizona

The minimum amount of Arizona auto insurance coverage is $25,000/$50,000/$15,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $15,000 for damage to another person’s property.

Liability coverage

• Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
• Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.

Optional Arizona insurance coverage

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

Comprehensive

This type of Arizona auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.

Collision

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Uninsured/underinsured motorist

Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or whose insurance limits are not enough to reimburse you for damages they caused.

• Bodily injury may protect you if you’re involved in an accident and the other party is at-fault and either is uninsured or doesn’t carry enough insurance to cover costs related to your bodily injury damages.
• Property damage may protect you if you’re involved in an accident where the other party is at-fault and uninsured/underinsured for damages sustained to your vehicle and other covered property (subject to deductible). You do not need Uninsured/Underinsured property damage coverage if you have collision coverage.

Medical benefits

May pay for necessary medical expenses or funeral costs for you or others covered under the policy, no matter who is at fault.