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Arizona Auto Insurance Rates Differ

You don’t want to be paying more than you have to for auto insrance. With so many companies offering consumers insurance policies, purchasing a new liability policy can feel overwhelming. It’s important to know what Arizona’s insurance requirements are in order to choose the right one for you. At Auto Insurance Planners, you’ll learn everything and anything you should know about Arizona’s auto insurance laws, including Arizona auto insurance company quotes.

Arizona auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Do you know what type of liability system Arizona follows?

Arizona follows a tort system, which is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses (“loss of wages” and “pain and suffering” compensation). This differs from other states that follow a no-fault system, which does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

Is PIP (Personal Injury Protection) required in Arizona?

It is not. Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

How about uninsured or underinsured motorist coverage; is it required in Arizona?

No, but an uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Arizona, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

These are the minimum required liability limits in Arizona. It is considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Arizona auto insurance rates.

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