The state of Arizona is a tort state.  A tort operated state requires drivers to be responsible for property and medical damage when accidents happen.  Therefore, minimum insurance needs to be liability to cover these costs in case of an accident.  However, Arizona is unique due to the fact that in lieu of auto insurance, Arizonians can opt instead for a certificate.  In order to do this, you must deposit $40,000 to the certificate, which basically guarantees your financial responsibility.

Q: “What is the minimum amount of auto insurance coverage that I need in Arizona?”

Minimum liability coverage for auto insurance in Arizona is 15/30/10.  This means that minimum coverage for personal injury is $15,000 (per each person), $30,000 for all injured persons, and $10,000 for property damages .  Again, this is minimum coverage required by the state of Alabama.  Arizona has one of the lowest mandatory coverage amounts in the US.  Arizona does not require uninsured motorist injury coverage which protects you in the event of a hit-and-run or if you are injured by a driver with no insurance.    Even though this type of coverage is not required, it is highly advisable to get this type of insurance since these types of accidents can be very costly.

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Current Providers in Arizona

For More Information

For more information on Arizona auto insurance laws and mandates, you can contact:
Arizona Department of Insurance
2910 N. 44th St.
Suite 210
Phoenix, AZ 85018-7269
Phone: (800) 325-2548