Helping you protect what you've worked so hard to obtain.

What are Arizona’s Minimum Car Insurance Requirements?

on March 31, 2012

Most Arizona drivers know that the state requires 15/30/10 car insurance – but, do you understand what those terms mean?

Every state mandates its own minimum requirements, and Arizona’s lawmakers made ours 15/30/10. 

The first two numbers indicate the level of bodily injury coverage that’s required.  $15k per person per accident, and $30k total per accident.  So, if you caused an accident injuring three people and, for demonstration purposes, they each had $15k in medical bills, only two of them would be able to collect on the insurance policy.  The first two who submitted claims would have access to the $30k limit for bodily injury.  The third person would have to sue you to try to collect for their medical bills.

The number “10” refers to the amount of property damage coverage that is available on the policy.  In this case, there would be $10k available to pay for any damage you caused to their vehicle.

As you can see, these minimums truly are minimum.

Will minimum state coverage work for you?  Well, there are several ways you can look at this question.

  1. From a purely legal standpoint, this will satisfy the requirements of the law and you won’t get cited for not having insurance.
  2. However, from a “covering your assets” perspective, it most likely will not be enough coverage.  Keep in mind, that any deficit in your insurance coverage in relation to the injuries/damage you cause will legally be your responsibility to pay for.  If you have other assets (such as a home, business, or investments) that a plaintiff (because at this point, it’s a lawsuit) could go after, trust me — they will.  So, in order to cover your assets adequately, you’ll need to discuss with your insurance agent the level of coverage you’d need to ensure you can keep all the stuff you’ve worked so hard to get.

If you have any questions as to whether you’re adequately covered, please give us a call and we’d be happy to go over your coverage with you.

Go Time Insurance, (602) 938-1515


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