AZ Auto Insurance Requirements

AZ auto insurance laws are based on the Tort system that is applicable throughout the majority of US states. In the event of a road traffic accident, responsibility will be assigned to the at-fault driver and they will be financially obliged to meet all liabilities to third-party vehicle owners. The current minimum mandatory levels of AZ auto insurance are as follows:

  • $15,000 worth of bodily injury liability per person
  • $30,000 worth of bodily injury liability per accident
  • $10,000 worth of property damage liability

Arizona has a growing problem with uninsured and underinsured motorists and steps have been taken to make these problem drivers accountable for their actions. The BB2224 bill was passed as a means of financially punishing persistent offenders who continue to use their vehicles without valid AZ car insurance in place. Uninsured and underinsured motorists can also expect to pay a series of increasingly expensive fines. Even first-time offenders can expect a financial penalty of $500 and if subsequent proof of coverage cannot be provided within a specified timeframe, licenses and registrations can be revoked

At the present time, there is no mandatory requirement to purchase UM/UIM coverage although it is advisable to do so. Personal injury protection is also an optional policy addition. A blanket policy purchase might include other beneficial features such as comprehensive insurance and collision coverage. Breakdown assistance and roadside recovery plans can also be purchased directly through AZ auto insurance companies and these can often work out to be cheaper than buying directly from an independent service.