Do you need Arizona liability car insurance? Yes, it’s essential if you want to drive legally in the state. Liability insurance acts as a financial safety net, covering injury and damage to others when you’re at fault in an accident. Think of it as a protective bubble around your car — it doesn’t cover your vehicle or injuries to you and your passengers, but it does take care of the people and property outside the bubble.

How Does Liability Insurance Work?

When you’re responsible for an accident, liability insurance steps in to pay for certain expenses, up to the limits of your policy. These limits are often written as three numbers separated by slashes, such as 25/50/15. Here’s what they mean:

• $25,000: Maximum coverage for bodily injury per person.
• $50,000: Maximum coverage for bodily injury per accident.
• $15,000: Maximum coverage for property damage per accident.

Real-Life Example

Imagine you’re at fault in an accident where:

• Three people are injured, each with medical bills of $10,000.
• There’s $10,000 in property damage.

Your policy would cover the medical bills in full, as the total ($30,000) is within the $50,000 per-accident limit. The property damage would also be fully covered, as it’s below the $15,000 limit. However, if the costs exceed these limits, you would be personally responsible for the remaining expenses.

What Arizona Requires

To drive legally in Arizona, you must carry at least:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $15,000 for property damage

Driving without liability insurance can result in fines, license suspension, or other penalties.

Need Affordable Liability Insurance in Arizona?

We make finding the right coverage easy and affordable. Contact us today for a free, no-obligation quote and stay protected on the road!

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.

Looking for the most affordable liability car insurance in Arizona? Here’s a breakdown of average rates from different companies to help you find the best deal. Remember, the cost of car insurance varies based on factors like your driving record, vehicle type, age, and how long you’ve been with your current provider.

Average Rates for Liability Car Insurance in Arizona

Here are some of the most affordable options for liability insurance in Arizona:

Company	Average Monthly Cost
Geico	$82
The General	$97
Progressive	$99
Mendota Ins. Company	$104
National General	$106
American Family	$114
AssuranceAmerica	$120
Bristol West	$138
USAA	$142

What Factors Affect Your Insurance Rates?

Arizona’s auto insurance rates depend on several factors, such as:

• Driving Record: A clean record typically means lower rates, while accidents or violations can increase your premiums.
• Type of Vehicle: Luxury or high-performance cars usually cost more to insure than standard models.
• Age: Younger drivers often pay higher premiums due to their limited experience.
• Loyalty Discounts: Staying with the same insurer for years can earn you discounts.

Are you wondering about additional insurance options in Arizona? While liability coverage is the only requirement by law, there are several other coverages you might want to consider. These can be essential if you’re financing a vehicle, driving for work, or using your car for ridesharing. Let’s break them down:

Uninsured/Underinsured Motorist Coverage (UM/UIM)

This coverage isn’t mandatory, but it’s highly recommended. Here’s why:

• If you’re hit by an uninsured driver, UM/UIM covers your expenses.
• It’s also useful if you have higher-than-minimum liability limits (e.g., 100/300/100). For example, if the at-fault driver only has state-minimum coverage, UM/UIM bridges the gap, offering you better protection.

Medical Payments Coverage (MedPay)

MedPay covers medical expenses for you and your passengers after an accident, no matter who was at fault.

• This is especially helpful if you don’t have health insurance or often drive with others in your vehicle.

Comprehensive & Collision Coverage (“Full Coverage”)

These coverages protect your vehicle and are often required if you’re financing a car:

• Comprehensive Coverage: Pays for damage from non-collision incidents, like theft, hail, or falling tree limbs. Think of it as coverage for when your vehicle isn’t moving.
• Collision Coverage: Covers damage from accidents, including hitting another vehicle, a deer, or an object.

Both comprehensive and collision coverage come with deductibles, which is the amount you pay out of pocket before insurance kicks in. Always confirm with your financial institution if they require these coverages and specific deductible amounts for financed vehicles.

Roadside Assistance, Towing, & Rental Reimbursement

• Roadside Assistance/Towing: Covers services like lockouts, jump-starts, or towing your car to a repair shop after a breakdown. Coverage details vary by insurer, so check with your provider.
• Rental Reimbursement: Helps pay for a rental car while your vehicle is being repaired after a covered incident, with daily limits ranging from $20–$100 for up to 30 days.

Ready to Customize Your Coverage?

Do you need extra protection for peace of mind? Whether it’s UM/UIM, full coverage, or roadside assistance, we’ve got you covered. Contact us today to get a free quote tailored to your needs!

Find out how much you could potentially pay for Arizona liability car insurance:

Insurance Cost Estimator

Type of CoverageLiabilityFull Coverage

Thinking about switching to liability-only insurance in Arizona? If you currently have full coverage, most insurance carriers allow you to make changes mid-policy term. Your premium will be adjusted based on the time remaining in your policy period. For example, if you’re three months into a six-month policy, your insurer will recalculate your premium accordingly.

Here’s what to keep in mind when considering the switch:

• Affordability: If you’re struggling to afford full coverage, speak with your insurance agent about whether liability-only insurance meets your needs. Switching to liability-only can reduce your premiums, but it’s important to understand what this coverage does and doesn’t include.
• Policy Adjustments: Removing additional coverages mid-policy term is usually easier than adding them back later. If you’re unsure, ask your agent about the process.
• Avoid Coverage Lapses: It’s always better to lower your coverage than to let your policy cancel due to nonpayment. A lapse in insurance can lead to fines, higher premiums in the future, and even license suspension.
• Financed Vehicles: If your car is financed, you’re typically required to maintain full coverage. Make sure to confirm any policy changes with your lender to avoid violating your loan agreement.

Need help deciding if liability-only insurance is right for you? Contact us today to discuss your options and get a free quote tailored to your situation!

Cheap Auto Insurance Arizona: How Can I get the Cheapest Auto Coverage?

Looking for the cheapest auto insurance in Arizona? Here are some tips to help you save money and find a policy that fits your needs:

• Choose a Liability-Only Policy: Liability insurance is the most affordable option and meets Arizona’s minimum coverage requirements. While it won’t cover damage to your vehicle, it ensures you’re legally covered.
• Maintain a Clean Driving Record: Did you know that being a good driver can lower your insurance costs? Insurance companies reward safe driving with lower premiums, so avoid accidents and traffic violations to keep your rates down.
• Pay in Full or Set Up Auto Pay: Want to reduce your premium even further? Many insurers offer discounts if you pay your policy in full or enroll in automatic payments. It’s a simple way to save!
• Ask About Discounts: Arizona insurers often provide discounts for bundling policies, being a student, or driving a low-mileage vehicle. Don’t hesitate to ask what’s available.

Arizona requires minimum liability coverage of 25/50/15, which includes:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $15,000 for property damage

Driving Without Insurance in Arizona: Getting caught without insurance can lead to serious consequences, like fines, license suspension, or even having your car impounded. Don’t take the risk—stay insured and drive with peace of mind.

Need Affordable Auto Insurance in Arizona? Get a free quote today and see how much you can save. Finding budget-friendly coverage doesn’t have to be difficult. Contact us now and let’s get you covered!

What is an SR22, and why might you need one in Arizona?

An SR22 is not an insurance policy but a financial responsibility form that your insurance provider files with the state on your behalf. It serves as proof that you meet Arizona’s minimum liability insurance requirements. But when do you need an SR22? Typically, it’s required if:

• You’ve been caught driving without insurance.
• You’ve been involved in a DUI or DWI offense.
• You caused an at-fault accident.
• Other legal or administrative violations led to the suspension of your license.

How does an SR22 work in Arizona?

When the state mandates an SR22, it allows officials to monitor your insurance status for a specific period, often three years. If your coverage lapses during this time, your insurer is obligated to notify the Arizona Department of Transportation (ADOT), which could result in license suspension or additional penalties.

Does an SR22 cost extra?

Yes, there is usually an additional fee to file an SR22, ranging from $15 to $25, depending on your insurer. Keep in mind that the need for an SR22 often increases your overall insurance premiums due to the associated risk factors.

Can you get an SR22 if you don’t own a car?

Absolutely. Even if you don’t own a vehicle, Arizona allows you to purchase a non-owner liability-only auto policy with an SR22 endorsement. This type of policy ensures you stay compliant with state requirements while maintaining coverage for driving any non-owned vehicle.

What’s next?

Navigating SR22 requirements can feel overwhelming, but you don’t have to handle it alone. Need help finding affordable SR22 coverage in Arizona? Contact us today for a free, no-obligation quote tailored to your situation!

red to file an SR-22 form to meet state requirements.

You want to avoid a lapse in coverage while between vehicles.

What Does a Non-Owners Policy Cover?

Non-owners liability insurance typically provides coverage for:

• Bodily Injury Liability: Protects you financially if you cause injury to another person in an accident.
• Property Damage Liability: Covers damages to someone else’s property caused by an accident you’re responsible for.

You can also add:

• Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has little or no insurance.
• Medical Payments Coverage: Helps cover medical expenses for injuries sustained in an accident.

What Doesn’t a Non-Owners Policy Cover?

It’s important to know what’s not included in a non-owners liability policy:

• Household Vehicles: It won’t cover accidents involving vehicles owned by someone you live with.
• Regularly Used Vehicles: If you have regular access to a specific vehicle, this policy won’t apply. Always confirm with your agent for specifics.
• Comprehensive and Collision Coverage: These coverages, which protect against vehicle damage, are not available with non-owners policies.
• Additional Drivers: You cannot add other drivers to a non-owners policy.

Why Choose a Non-Owners Policy?

A non-owners liability policy is ideal for:

• Drivers required to carry an SR-22 to reinstate their license.
• Individuals who occasionally drive rented or borrowed cars and want liability protection.
• Anyone seeking to maintain continuous insurance coverage, which can help lower future premiums.

Ready to Get Started?

If you’re looking for affordable non-owners liability car insurance in Arizona, we’re here to help. Contact us today to get a free, no-obligation quote and ensure you’re covered no matter where the road takes you!

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Arizona Liability Insurance FAQs

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Frequently Asked Questions

What is Arizona Liability Insurance?

Arizona Liability Insurance is a type of insurance that provides coverage for legal responsibilities, including bodily injury or property damage, in Arizona. It helps protect you in case you’re held liable for such damages.

How can I get a quote for Arizona Liability Insurance?

To get a quote for Arizona Liability Insurance, please call us at 1.888.445.2793 or visit our website to request a quote online.

What coverage options are available for Arizona Liability Insurance?

Arizona Liability Insurance offers various coverage options, including general liability, professional liability, and product liability coverage. Contact us to discuss your specific needs.

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• Arizona Liability Car Insurance provides coverage for drivers in Arizona.
• Learn about the requirements and benefits of liability car insurance.
• For more information or to get a quote, call us at 1.888.445.2793.

Last Updated on March 4, 2025 by Marlon Moss