Auto Insurancein Arizona

Arizona requires liability limits of 25/50/15: $25,000 of bodily injury coverage per person, $50,000 per accident, and $15,000 for property damage. Those figures took effect on July 1, 2020, raising the older and much lower minimums.

That is the legal floor for registering a vehicle, not a coverage recommendation. With current vehicle prices and medical costs, a serious accident passes those numbers without much difficulty, and the remainder is the at-fault driver's personal problem.

We recommend it in nearly every case. Arizona carriers are required to offer uninsured and underinsured motorist coverage, and you are allowed to reject it, but the rejection has to be in writing precisely because it matters.

Liability coverage pays other people when you cause harm. Uninsured motorist coverage pays you and your passengers when somebody else causes harm and cannot pay for it. Per dollar it is consistently one of the better values on the policy.

Not automatically, and the word free does some work there. Arizona law requires an insurer offering comprehensive coverage to also offer glass replacement coverage with no deductible. You have to elect that option; carrying comprehensive alone does not give it to you.

Worth two minutes on your declarations page. Highway chip damage is common enough here that the election usually pays for itself.

Collision answers when your vehicle hits something: another car, a guardrail, a pole. Comprehensive answers for nearly everything else, including hail, theft, fire, vandalism, flood, and animals.

Hitting an elk on Highway 89 is a comprehensive claim even though it certainly felt like a collision. That distinction decides which deductible applies and, with some carriers, whether the claim counts against you the same way.

Generally no. Most personal auto policies exclude coverage while a rideshare or delivery app is running, and the platform's own coverage changes depending on whether you are waiting for a request, en route to a pickup, or carrying a passenger.

The middle phase is where people find the gap. A rideshare endorsement closes it and costs far less than most drivers assume. Tell us if you drive for any platform and we will write around it.

Auto rates respond to repair costs more than to any single driver. Sensors in bumpers, cameras in windshields, and aluminum body panels have made moderate collisions much more expensive to fix, and severe weather losses feed back into what everyone pays.

What you control: the deductible, the bundle, the mileage you report, and whether an outdated discount fell off. That is worth an annual review rather than a shrug at renewal.

Bundle it with a home or renters policy, raise the deductible to a number you could actually cover tomorrow, ask about a telematics program if you drive few miles and drive them carefully, and get a quote on a vehicle before you buy it. Two similar-looking trucks can price very differently.

The dishonest way is to quietly drop coverage and call the result a saving. It is not a saving, it is a bill you have deferred to a worse day.