Liability Insurance – Arizona
Cheap Car Insurance: All About Liability Insurance in Arizona
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Arizona Car Insurance Requirements
- What is Arizona Liability Car Insurance?
- Arizona Liability Car Insurance Laws
- Most Affordable Arizona Liability Car Insurance by Company
- Other Coverages Available in Arizona
- Estimate The Cost of Arizona Liability Car Insurance
- Insurance Cost Estimator
- Can I switch to Liability Only Insurance in Arizona?
- Cheap Auto Insurance Arizona: How Can I get the Cheapest Auto Coverage?
- Arizona Liability Car Insurance: What if you require an SR22?
- Non-Owners Arizona Liability Car Insurance
- Need More than just Arizona Liability Car Insurance?OTHER HELPFUL LINKS
What is Arizona Liability Car Insurance?
Imagine there is a bubble around your vehicle. Arizona Liability car insurance covers injury to others and property that is outside of the bubble.
If you are at fault in an accident the liability portion of your auto insurance will pay up to certain amounts for certain things. This prevents your from being personally financially responsible up to the liability limits of your auto policy. Once you reach the limits of your liability auto policy you can still face out of pocket expenses.
Liability does not cover your vehicle or injury to you or the passengers in your vehicle. It does however cover bodily injury to others and property damage to others up to a set maximum.
Liability coverage is typically written as a series of 3 numbers separated by backslashes. For example: 25/50/15
All numbers are the amounts in thousands of dollars. The first number is total amount insurance will pay for bodily injury per person. The second number is the total insurance will pay per occurrence. The third number is the amount insurance will pay in property damage per occurrence.
Think of it this way you are at fault in an accident and 3 people had injuries each costing $10,000 and there was $10,000 in property damage.
- Since your maximum per person is $25,000 their medical would be paid in full up to $50,000 total for that accident.
- The property damage would also be covered since you are under your $15,000 maximum.
Arizona Liability Car Insurance Laws
Arizona requires a minimum of $25,000 per person in bodily injury, with a maximum of $50,000 per occurrence, and $15,000 in property damage.
This protects you up to those limits when at fault in an accident.
If you drive a lot or are concerned those limits aren’t enough – you are able to increase them. That will increase the total cost of the policy though.
If you are trying to find the cheapest and most affordable coverage required by the state – keeping your Arizona liability car insurance at the state minimum is the best way to do so.
Most Affordable Arizona Liability Car Insurance by Company
Below we have listed different companies in Arizona and on average what they would charge for a Arizona liability car insurance policy.
Keep in mind there are many factors that effect the cost of auto insurance. Factors such as driving record, type of vehicle, length of time with current insurance provider, and age.
|Company||Average Monthly Cost|
|Mendota Ins. Company||$104|
Other Coverages Available in Arizona
There are several other coverages available in addition to liability coverage. While these are NOT required by law in Arizona, they can be sometimes required by the institution that finances your vehicles, your employer, or if you do any sort of ridesharing.
Uninsured Motorist Coverage/Underinsured Motorist Coverage (UM/UIM): This coverage again is not required, but highly recommended. If you are ever in accident and the at fault driver is not insured this coverage will go into effect. It is also a great coverage to have if you have higher then the states required liability limits. In that circumstance, if the driver had liability insurance at the state minimum but you have 100/300/100 limits – the underinsured motorist coverage would raise their limits to meet yours and offer you more coverage from the accident.
Medical Payments: This coverage pays out up to a certain for medical expenses for you and those in your vehicle after an accident, regardless of who was at fault. This is another great additional coverage if you frequently have people in your vehicle or do not have health insurance.
Comprehensive & Collision Coverages (“Full Coverage”): These are two additional coverages that carry a deductible. The deductible is the portion that you as the insured are responsible to pay before coverages kicks in for covered losses. Both cover for damage to YOUR vehicle. Unlike liability which does not. If we think back to our bubble example – comprehensive and collision cover what is inside the bubble.
Comprehensive covers things such as theft, hail damage, a tree limb falling on your vehicle. An easy way to think of it is coverage for situations where the vehicle was not moving and did not impact another object.
Collision covers things such as damage from an at fault accident, impact from a deer, or any other types of impact/collision related damage.
This coverage is typically required when a vehicle is financed. Always check with your financial institution when purchasing a new vehicle to see what coverage they require and if they require a certain deductible.
Roadside Assistance/Towing/Rental Reimbursement: These are additional coverages. Roadside Assistance/Towing offers coverage for certain things such as lockouts, dead batteries, running out of gas, or a breakdown resulting in the vehicle needing to get moved to a repair shop. These services vary carrier to carrier so always make sure to check with your insurance provider.
Rental Reimbursement off a set amount towards a rental vehicle while your vehicle is being repaired after a covered loss. It ranges from $20-$100 per day up to 30 days.
Estimate The Cost of Arizona Liability Car Insurance
Find out how much you could potentially pay for Arizona liability car insurance:
Insurance Cost Estimator
Can I switch to Liability Only Insurance in Arizona?
If you currently have full coverage in Arizona most carriers will allow you change coverage mid policy term. They will adjust you premium based on the time you have left on that policy term. It is easier to remove additional coverage mid policy then add coverages.
If you are 3 months into your 6 month term and something happens and you can no longer afford your full coverage speak to your agent to see if switching to a liability only is right for you.
It is better to lower coverages making your policy more affordable than to let the policy cancel due to nonpayment and having a lapse in coverage. Always make sure however if you have a financed vehicle that your policy has the coverages you require.
Cheap Auto Insurance Arizona: How Can I get the Cheapest Auto Coverage?
The most affordable auto insurance is going to be a liability only policy. Which won’t offer coverage for your vehicle but it does meet the state requirements for Arizona.
Another great way to get the absolutely cheapest auto insurance is to be a good driver. Your driving history is one of the biggest factors in determining the cost of your auto insurance.
Once you do find an affordable auto policy consider paying in full or setting up auto pay as that is another great way to save money and lower the cost of your auto policy even more.
Arizona Liability Car Insurance: What if you require an SR22?
First, what exactly is an SR22?
An SR22 is a financial responsibility form that is added to your auto policy. There are many different reasons you may be required to have one including, no insurance, DUI/DWI, an at fault accident, and many others.
The SR22 allows the state to keep better track of your auto insurance coverage and status. These are typically required for a set period of time.
There is an additional policy fee associated with an SR22.
Even if you don’t own a vehicle you are still able to get a liability only auto policy with an SR22. If you don’t own a vehicle you would need a non-owners auto policy with the added SR22.
What do A Plus Insurance Customers pay in Arizona?
Non-Owners Arizona Liability Car Insurance
Non-Owners Liability Insurance policies are meant for those who do not own a vehicle but need auto liability coverage. Examples of why you may require a non-owners policy would be if you rent vehicles frequently, require an SR22, or are avoiding a lapse of coverage between vehicles.
Non-owners policies are restrictive. They don’t offer coverage if you are driving a household members vehicles or a vehicle that you have regular access too. This is carrier specific so always double check with your agent to make sure.
Non-owners auto policies don’t allow for additional drivers to be added. Non-owners auto policies also don’t allow for additional coverages such as comprehensive and collision or roadside assistance to be added. The only additional coverage you can add to a non-owners policy is uninsured/underinsured motorist coverage and medical payments.
Non-owners policies are great for those requiring an SR22 and are also needing to get their drivers license reinstated. Since standard auto policies typically require at least one licensed driver on the policy.
Need More than just Arizona Liability Car Insurance?OTHER HELPFUL LINKS
|Arizona Home & Auto Insurance|
|Arizona SR22 Insurance|
|Arizona Homeowners Insurance|
|Arizona Motorcycle Insurance|
|Arizona Motor Vehicle Department|
Last Updated on by Treasure Coleman