Arizona Auto Insurance
Under Arizona law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily Injury Liability (BIL) insurance, which covers medical expenses for the other driver, cyclist or pedestrian when the accident is the insured driver’s fault. Arizona also requires drivers to carry at least $15,000 in Property Damage Liability (PDL) insurance, which helps pay expenses to repair or replace a damaged vehicle when the accident is the insured’s fault. Neither BIL or PDL insurance covers the insured’s expenses in the accident. Keep in mind that these are the minimum requirements, and it is wise for drivers to purchase higher coverage limits to protect their personal assets in the event of a crash.
Drivers have the option of purchasing Medical Payments insurance, which pays their medical bills after an auto
Uninsured and Underinsured Motorist coverage can be reduced or rejected entirely in writing in Arizona, but it
is prudent to buy such coverage in case of an accident involving an uninsured or underinsured motorist.
Collision and comprehensive coverage are not required in Arizona, but the lenders of leased or financed vehicles
will almost certainly mandate such coverage.
Motorists found driving without insurance coverage in Arizona face suspension of their driver’s license and
registration, and will have to file a proof of financial responsibility (SR-22) with the state.
Financial Responsibility (SR-22) Insurance in Arizona
Arizona drivers convicted of a DUI or other serious motor vehicle offenses must have their insurance company
file an SR-22 form, certificate of future financial responsibility, with the Arizona Department of
Transportation (ADOT). Failure to maintain such proof results in license and registration suspension until
the proof is established.
Arizona Driver Statistics
Arizona was the 48th state to enter the Union, making it the last of the “Lower 48.” Arizona is home to 7.2
million people, and is the seventh fastest growing state in the nation. Just over 5 million residents hold
drivers’ licenses. Less than a half-century ago, only 2 million people lived in the state. Most of the
state’s population lives in or near Phoenix or Tucson, Arizona’s two largest cities. Maricopa County is home
to more than 4 million of the state’s residents. The median age in Arizona is 37 years.
Arizona has the highest amount of land designated as Native American in the country. One-quarter of the
state consists of forests, including the National Forest at 11.2 million acres. The state’s top industries
include agriculture, mining, aerospace and defense, astronomy and astrophysics, renewable energy and life
sciences. While the Grand Canyon is the biggest — in every sense — in tourist attractions, other major
tourism destinations include Monument Valley, where many classic Western movies were filmed; Havasu Falls,
and the Hoover Dam.
Arizona Auto Insurance & Accident Facts
The ADOT reports that 127,056 crashes occurred on Arizona roadways in 2018, resulting in 1,010 fatalities and
53,367 injuries. Alcohol played a role in 4,651 of these motor vehicle accidents, but was a factor in 242 of
the deaths. The most common type of collision was a rear-end accident, while the most common driver
violation resulting in an accident was speeding. While the crash numbers were down slightly from 2017, the
number of fatal injuries rose from the 998 killed in 2017.