Arizona’s Insurance Requirements
Liability coverage is required (it’s the law), but you’ll need to add comprehensive, collision and other coverages if you want to protect your vehicle and yourself. Many drivers also opt to increase liability coverage above the state-required minimum to safeguard against the most serious and costly accidents. State minimum liability coverage offers the least amount of protection for the lowest price. Policies that add comprehensive and collision protect your vehicle against events like floods, hail and crashes — but they cost an average of 61% more. The deductible you select (typically $500 or $1,000) also affects your rates. The deductible is the amount you pay out of pocket for a claim before your insurance company pays anything.
