Arizona Auto Insurance

Each state has minimum requirements for car insurance coverage, and when you begin to research what automobile coverage is best for you, it is important to know what is required for your state. After you learn what is required, then you can adjust your coverage to your income and lifestyle simply by clicking to find out what you can save on auto insurance.

Arizona has a low minimum requirement for liability automobile insurance, only $15,000 per person and $30,000 per accident. While a low liability limit is good, you must also make sure that you have enough insurance to protect your assets. Keep in mind that insurance companies also offer bodily injury, property damage, personal injury protection (also known as PIP), comprehensive, medical payments and collision coverage.

When deciding how much Arizona car insurance coverage to buy, it's important to understand how coverage like bodily injury protects your personal property and assets. If you get into an accident and you don’t have enough auto insurance, you may have to pay for bodily injury to the other driver. Medical costs can cost thousands and thousands of dollars—even if it is just a trip to the ER or a brief stay. Getting enough coverage ensures that you won’t have to empty your bank account in the event of an accident.

Another type of important Arizona car insurance coverage is property damage liability. This type of car insurance coverage pays for damage to personal property such as the other driver’s car, a mailbox or street signs that you may damage in an accident. If you are found at fault for the accident, you could be sued for these damages, and property damage liability coverage will protect you from having to pay.

If you don’t own a home, don’t have a lot of savings and don’t have any dependents, you might think that you could get away with the minimum state requirements for Arizona car insurance. But think again. These low coverage amounts might not be enough. Most car insurance agents recommend buying coverage that’s at least $25,000 per person and $50,000 per accident. This amount of coverage will ensure that you’re not putting your future assets at risk.

If you just bought your first home are starting a family and maybe have a little in savings, you'll want to protect your growing assets by buying liability coverage that’s at least $50,000 per person and $100,000 per accident. It may not cost much to increase to even higher limits like $100,000 per person and $300,000 per accident. While it may sound like a lot of coverage, these higher amounts will ensure that you’re not putting that new house at risk.

If you’re already settled into a big house, have teen or college aged drivers and have invested a nest egg, you may think that you are set. Why spend lots of money on car insurance? But what would happen if your teen totals a car and injures property, or worse, other people? If you have assets like these, you should buy the highest limits available, usually $250,000 per person and $500,000 per accident. You can also save money by putting those teen drivers on the same policy as the family car or combining boat or homeowner’s insurance with your car insurance.

The best way to have the ultimate peace of mind is to know that you're covered. Now that you know what the minimum amount is in Arizona, take a look at your current coverage and financial situation. Enter your zip code and start comparing quotes. Peace of mind is just minutes away.