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Arizona Auto Insurance Requirements

As a resident of the state of Arizona, a “Tort” state, you are responsible for any and all property damage and injuries incurred in an accident in which you are at fault. All drivers are required to provide proof of financial responsibility, which can be obtained in one of the following ways:

  • A standard auto insurance policy
  • A certificate of insurance, a bond, or a certificate of deposit or cash in the amount of $40,000

If you shoose to purchase an auto insurance policy, you must maintain minimum liability requirements. Arizona has relatively low minimum liability requirements (15/30/10 - see the chart below for more information). Keep in mind that these are only the minimum requirements of the state, and choosing a larger policy may help protect you and your financial interests further on down the road. Optional policies for collision, comprehensive, medical payments, uninsured as well as underinsured motorists are all offered by Arizona auto insurance companies.


Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes

$15,000 per person

$30,000 per accident

Property Damage Liability Yes

$10,000

Uninsured Motorist Bodily Injury No

$15,000 per person

$30,000 per accident

Underinsured Motorist Bodily Injury No  


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Auto Insurance for Leased Vehicles in Arizona (AZ)

Most leasing companies in Arizona typically require drivers to maintain insurance coverage which exceeds the minimums set by Arizona state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

Special Insurance Considerations for Drivers in Arizona by City

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Contacts for Auto Insurance Information in Arizona

Arizona Department of Transportation: Motor Vehicles Division
PO Box 2100
Phoenix, AZ 85001
www.azdot.gov/mvd
Arizona Department of Insurance
2910 N. 44th Street
Suite 210
Phoenix, AZ 85018-7269
www.id.state.az.us

**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010

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Key Facts...
Almost two in three auto insurance shoppers used an online quote request in their most recent search. This contrasts with only 4% of auto insurance shoppers who purchased a policy at least five years ago. In 2009, one in every three consumers purchased a policy entirely online.

Source:
comScore Online Auto Insurance Report, 2009

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