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Requirement for AZ Car Insurance

Posted on: March 11th, 2010 by admin
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Many people always ask the question what are Arizona auto insurance requirements to keep me legal to drive? The minimum AZ car insurance requirement to be legal to drive your vehicle is 15/30/10. What do those numbers mean? The 15/30 is the liability coverage you must have. $15,000 of coverage for bodily injury per person and $30,000 bodily injury per accident. The liability is basically to protect you from another individual or individuals who were injured as a result of an accident were your where deemed at fault. The 10 stand for property damage. You would have coverage that protects your for $10,000 of damage you may cause to the vehicles or property of others.

This again is just the bare minimum Arizona auto insurance requirements for you to be legal to drive. This is also what they call liability only coverage. Meaning you do not have collision coverage or comprehensive. That means any damages to your vehicle (with the exception if you were involved in a non-at fault accident) you would have to pay out of your own pocket. There may be situations where it makes sense not to have this coverage on your AZ car insurance but that is something you would need to speak with your agent about.

When reviewing your AZ car insurance coverage make sure you do one thing. Find a licensed agent who can explain the coverage to you and help tailor the appropriate coverage that you need. Just because you want cheap insurance and as a result want to go with the minimum Arizona auto insurance requirements, it may not be the right decision. If you could be leaving yourself susceptible if you are involved in an at-fault accident and there are injuries involved. Also if you are driving a relatively new car then paying for it out of pocket will be a painful experience. Speak with a license agent…

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