Arizona Insurance Policies
General Arizona Insurance

The State of Arizona currently requires that all drivers be covered under minimum liability insurance. Proof of insurance must always be carried in the vehicle.

Minimum Liability Coverage in Phoenix Arizona.
The State of Arizona minimum liability amounts are as follows:
  • $15,000 bodily injury per person.
  • $30,000 total bodily injury per accident.
  • $10,000 total property damage per accident.

These are only the minimum requirements set by Arizona. Almost all drivers add collision and comprehensive coverage to their policies to cover possible damage to their own vehicles as well.

Uninsured/Underinsured Motorist Coverage

Arizona does not require this coverage. UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Arizona is not a “No-Fault” state.

SR-22 Requirements for Phoenix Arizona.
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for Arizona. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Arizona requires an SR-22 filing for driver’s license reinstatement.


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