Help With Auto Insurance

Before you can register a vehicle in Arizona, you must show proof of financial responsibility. This can be in the form of a certificate of insurance, a bond, or certificate of deposit or cash in the amount of $40,000.  

To show proof of financial responsibility by means of insurance, you must maintain two types of coverage:

  • "Bodily injury" (which pays for bodily injury to others for which you become legally responsible due to an auto accident in which you were involved), and
  • "Property damage" (which protects you for damage you may cause to the vehicles or property of others).

The minimum required coverage limits are

  • $15,000 per person and $30,000 per accident for bodily injury coverage and
  • $10,000 per accident for property damage coverage.

The amount of insurance coverage you purchase represents the maximum amount ("limit") that the insurance company will pay, and you may be required to pay for losses that exceed your coverage limit.  The following Information may help you shop for auto insurance and learn about auto insurance policies.

 

Automobile Insurance Resources

Personal Automobile Insurance Consumer Awareness Points

When considering automobile insurance purchases, bear in mind these “Consumer Awareness Points”...

Premium Comparison and Complaint Ratios for Automobile Insurance

Review hypothetical insurance premiums and statistics on complaints.

Consumer Guide: Understanding How Insurers Use Credit Information

Learn how insurance companies use your credit information.
 

New Driver's Guide to Auto Insurance

Obtain answers to some important questions about auto insurance.

Ride Sharing

Learn how using your vehicle in a ride-sharing arrangement with a transportation network company (Uber, Lyft, etc.) may affect your automobile insurance coverage.

Insurance Information Institute

Click here for descriptions of various types of insurance, buying tips, information about filing claims and more.  The TOPICS menu allows you to select a type of insurance for which you want information.

Arizona Insurance Council

Click here for information about automobile insurance, homeowners' insurance and business insurance.

Motor Vehicle Division (MVD) - Arizona Department of Transportation

Click here to navigate to the MVD, and then use the "Motor Vehicle Services" link to view information concerning Arizona's mandatory insurance requirements and information necessary to de-insure a vehicle that is not in use.

Military Service Members & Their Families: Insurance Issues

Click here for information that can help service members and their families make informed insurance-buying decisions.

Vehicle Information

Insurance Institute for Highway Safety (IIHS)

Click here for information concerning automobile crash test results, innovations in automobile safety, and other useful information.

National Highway Traffic Safety Administration (NHTSA, U.S. Department of Transportation)

Click here for access to results of various tests of automobiles, consumer complaints about automobiles, information about injury prevention, and other useful information.

Edmunds

 Click here for information concerning the value of a vehicle.

Kelley Blue Book

Click here for information concerning the value of a vehicle.

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