Arizona Auto Insurance Information
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Arizona is a tort state
Arizona falls under the tort provisions for determining who pays the expenses of the parties injured in an auto accident. This means the negligent driver or the at-fault party will be responsible for paying not only medical bills, but possibly pain and suffering and lost wages of the injured parties.
If I drive to Mexico, does my Arizona policy cover me?
No. Most car insurance companies in the U.S. specifically exclude Mexico as a covered territory. Mexican law also requires you to purchase car insurance coverage from a Mexican insurer before entering the country. Some U.S. policies will provide limited coverage within a certain distance from the border, so check with your car insurance company BEFORE entering Mexico.
What are the minimum auto liability limits in Arizona?
Arizona's minimum auto liability insurance limits are 15/30/10. This means you are required by law to carry a minimum of $15,000 in bodily injury coverage per person, $30,000 in bodily injury coverage per accident and $10,000 in property damage liability insurance.
Does Arizona require an SR-22 for a suspended license?
Yes. If you have had your driver's license suspended for DUI or another offense, you will need to file proof of financial responsibility in the form of an SR-22. This simply states that you currently meet the state of Arizona minimum liability coverages for you car insurance and in the event your policy lapses, your insurance company will notify the Motor Vehicle Department.
Does Arizona permit the family liability exclusion?
Unfortunately, Arizona law allows car insurance companies to impose a $15,000 per person or $30,000 per occurrence limit on bodily injury to other members of your family when you are another insured is liable. This is commonly referred to as the "Household, "Family" or "Intra-Family" exclusion.
Can my Arizona car insurance rates increase due to an accident that wasn't my fault?
Arizona law prohibits insurance companies from raising your rates as a result of an accident that was not your fault. However, there are many factors that go into determining your auto insurance rates, so if your last renewal went up and you had a not-at-fault accident in the prior policy term, the increase is due to other factors influencing your insurance rates.
Contact the Arizona Department of Insurance
| By Mail | 2910 N. 44th St Suite 210 Phoenix, AZ 85018-7269 |
| By Phone | 800-325-2548 |
| Website | Arizona Department of Insurance |
| By Email | consumers@id.state.az.us |
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