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Arizona state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 15/30/10 coverage.
Arizona Coverage:
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $10,000 Limit
The state of Arizona follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages.
Because Arizona is not a no-fault state, it is also not a requirement to carry Personal Injury Protection (PIP). Personal Injury Protection will pay for damages to the insured vehicle regardless of who was at fault in the accident.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Arizona does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage. This type of coverage will cover the insured party in the event that the at-fault party fails to provide sufficient insurance coverage to pay for damages to the other party’s vehicle.
It is not a requirement in the state of Arizona to carry Comprehensive and Collision, but also highly recommended to pay for damages to the vehicle of the at-fault party or any damage caused by wildlife or acts of nature, such as hail or falling tree limbs.
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