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Arizona Auto Insurance Coverages That are Required by Law:
The required coverages in Arizona are Bodily Injury and Property Damage. The minimum required limits are $15,000 per person and $30,000 per accident for Bodily Injury and $10,000 per accident for Property Damage.
Arizona Bodily Injury Coverage
In the state of Arizona you are required by law to buy bodily injury coverage. Bodily injury coverage is a type of liability insurance that pays for the medical expenses, lost wages and pain and suffering that you cause and are legally responsible for in an automobile accident. The minimum limits in Arizona are $15,000 per person and $30,000 per accident.
Arizona Property Damage Coverage
Arizona also requires you to buy property damage coverage. Property damage includes many things such as damage to buildings or other vehicles or their contents, and damage to stationary objects like fences. The minimum limits in Arizona are $10,000 per accident.
Arizona Combined Auto Insurance Coverage
It is also possible in Arizona to buy a combined auto insurance policy that includes both bodily injury and property damage coverage. In this case the minimum limit for a combined policy is $40,000.
These coverages are only the minimum amounts required for insurance in the state of Arizona. If you borrowed money to buy your car or are leasing it, you may require other types of insurance beyond the state’s required auto insurance depending on the policies of your lender.
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