State requirements in Arizona
What are the minimum auto insurance requirements in Arizona?
Arizona requires all drivers to show proof of financial responsibility for damages and injuries that may happen in an accident. There are two ways to prove financial responsibility in Arizona: proof of Liability insurance or a certificate of deposit (CD) of $40,000 assigned to the Office of the Arizona State Treasurer. Most Arizonans prove financial responsibility by showing proof of Arizona car insurance.
Liability coverage helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do).
Minimum required Liability coverage in Arizona:
$25,000 per person for bodily injury
$50,000 total per accident for bodily injury
$15,000 per accident for property damage
You can always opt for higher coverage.
What is SR-22 insurance?
SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the state. You can easily request an SR-22 in the Root app.
What is the average cost of car insurance in Arizona?
The average Arizona driver pays $1,557  per year for their auto policy, but many drivers pay a lot more. Bad drivers often drive up prices for good drivers. Root doesn’t insure bad drivers, so Root customers could save $900 a year—all while enjoying fair and simple car insurance.