Arizona Car Insurance
Car Insurance » Arizona
When it comes to car insurance, every state is different in terms of requirements regarding coverage. In fact, some states do not even require a vehicle owner to carry auto insurance on their vehicle.
Financial Proof of Responsibility
In the state of Arizona, whether you live in Flagstaff, Tucson, or Scottsdale and whether you are a long-time resident or looking to relocate to Arizona car insurance is a requirement. Prior to being allowed to register a vehicle, proof of financial responsibility must be provided. This can be provided in several different forms including a bond, a certificate of insurance, certificate of deposit or even cash for the full amount of $40,000.
Arizona Car Insurance Requirements
The state of Arizona requires the coverage of property damage and bodily injury with the limits set at 15/30/10. The minimum limits required for both of the aforementioned types of Arizona car insurance coverage for is $15,000/$30,000 for each person/ accident for bodily injury and $10,000 for each accident for property damage. Bodily injury coverage will cover expenses for injury that occurs to individuals involved in the accident. Property damage coverage will cover any damage to someone’s property in the event that an accident occurs.
Coverage Not Required
At this current time, the state of Arizona does not currently require that vehicle owners hold comprehensive or collision insurance coverage nor does the state require that coverage be carried for uninsured motorist bodily injury or medical payments.
Recommendations for Car Insurance in Arizona
As a general rule, it is recommended that you carry more than the state minimum. The reason for this is to cover yourself in the event of an accident. If an accident occurs and the expenses exceed your Arizona car insurance policy limits then you will be liable for the amount that your policy did not cover assuming you are the at-fault party.
Just as it is recommended to carry more than the state minimum, it is also recommended to carry collision and comprehensive auto insurance so that damages that occur to the vehicle of the person at-fault or damages that occur from acts of nature are paid for. PIP, Personal Injury Protection, is not a requirement of the state either since Arizona is not considered a no-fault state though it is also recommended as it will pay for damages that occur to the insured automobile regardless of who is at fault.
Start searching for car insurance companies by clicking on your desired Arizona city BELOW: