[cs_content][cs_section parallax=”false” style=”margin: 0px;padding: 45px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_custom_headline level=”h2″ looks_like=”h3″ accent=”false”]In 1972, Arizona began requiring all drivers to carry $15,000 in liability insurance to pay for injuries during an accident. In 2017, the mandated amount remains the same. Unsurprisingly, experts think this number is much too low to truly cover the cost of an accident[/x_custom_headline][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” style=”margin: 0px;padding: 45px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_accordion][x_accordion_item title=”Liability Insurance Requirements Per Person” open=”true”]$15,000 per person.

But the average cost for each nonfatal disabling injury in Arizona : $61,600.[/x_accordion_item][x_accordion_item title=”Liability Insurance Requirements Per Accident” open=”false”]$30,000 per accident

If 2 people in the car have a nonfatal disabling injury that is $123,200.[/x_accordion_item][x_accordion_item title=”Liability Insurance Requirements for Property Damage” open=”false”]$10,000 for property damage.

The average price of a new car or truck sold in the U.S. in 29016 was $33,560.[/x_accordion_item][/x_accordion][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” style=”margin: 0px;padding: 45px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_columnize]High-Risk Insurance Program

Arizona does not have a low-cost insurance program for drivers. If you are considered a high-risk driver because of your age or blemishes on your record, though, you can get insurance through the Arizona Automobile Insurance Plan (AAIP), which insures high-risk drivers. Try to find other insurance first, because these plans tend to be more expensive.

Alternatives to Insurance in Arizona

Arizona drivers don’t have to carry insurance — they just need proof of “financial responsibility.” For those drivers who eschew insurance, they can instead deposit $40,000 with the state treasurer, who will provide them with a certificate of deposit that must be carried in the vehicle.

Of course, given that only one state has lower minimum requirements than Arizona, neither a basic insurance policy nor the alternative — a $40,000 cash deposit — fully protects drivers in the case of an accident.[/x_columnize][/cs_column][/cs_row][/cs_section][/cs_content]