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Arizona Minimum Liability Insurance Requirements

The state requires a minimum level of liability insurance for each driver to operate a motor vehicle in Arizona. If proper insurance is not maintained while driving your license may be subject to suspension. Any insurance company that is licensed to operate in Arizona will offer a minimum level as follows:

$15,000 in Bodily Injury per person
$30,000 in Bodily Injury per accident
$10,000 in Property Damage

Be sure to carry proof of liability insurance on your person or in the vehicle while driving.

What Is The Average Premium for Auto Insurance in Arizona?

$73 per month

According to information by the National Association of Insurance Commissioners for 2007 the estimated monthly average is $73. This is an estimate of the combined average premium per insured vehicle with liability and may include comprehensive or collision coverages.

Are you paying too much for auto insurance, get quotes to compare rates in your area.

Should I Carry Full Coverage in Arizona?

Full coverage auto insurance refers to having comprehensive and collision coverage in addition to liability coverage. Liability coverage only provides for bodily injury or property damage to others not your vehicle. If you want to insure your vehicle it makes sense to have full coverage. If you have a loan or are leasing a car the bank will require you to carry comprehensive and collision coverage.

In Arizona there are many things that can cause damage to your vehicle including auto accidents, theft, vandalism and wind. There are a lot of drivers in Arizona which can increase the chances of an auto accident and also the likelihood of theft. A good rule of thumb is if a vehicle is over ten years old you may consider removing full coverage since the value is not going to be worth the additional expense to insure it.

Arizona SR-22 Auto Insurance

Arizona requires drivers with suspended licenses to maintain a financial responsibility filing called SR-22. For most drivers whose license has been suspended you must file this form. In most cases involving driving under the influence of alcohol you will be required to file an SR-22 with the Arizona Motor Vehicle Division. This filing is normally required for a period of 3 years but may be longer depending on your court order. Reference our SR22 insurance page for more details about SR-22 forms.




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