What Does the State Minimum Auto Coverage Protect You Against?

Understanding your state’s minimum auto insurance is essential for every driver, whether you’re new to car ownership or simply looking for affordable coverage.

At Best Buy Auto & Home Insurance Agency Inc, we believe it’s important for our clients to know exactly what these minimum requirements cover and where they may leave you exposed.

What Is Arizona’s State Minimum Auto Insurance?

Arizona law requires all drivers to carry a minimum level of auto liability insurance. Liability coverage is designed to help pay for injuries or property damage you cause to others in an accident. The current state minimums include:

• Bodily injury liability. Covers medical expenses for others if you’re at fault in an accident.
• Property damage liability. Pays for damage you cause to another person’s vehicle or property.

What Does State Minimum Coverage Insure You Against?

With state minimum liability coverage, you’re insured against some of the financial consequences of causing an accident that injures someone else or damages their property. For example, if you rear-end another car or accidentally hit a fence, your policy can help cover the costs up to the limits required by Arizona law.

What Isn’t Covered by State Minimum Insurance?

It’s important to understand that Arizona’s minimum coverage does not insure your own vehicle or medical expenses if you’re at fault. It may also have insufficient limits for covering severe accidents you cause. Here’s what’s typically not included:

• Damage to your own car (collision coverage is needed for this)
• Your own medical bills (medical payments or personal injury protection may be required)
• Theft, vandalism, or weather-related damage (comprehensive coverage is needed)
• Costs that exceed your policy limits

Have questions about state minimum auto insurance or want to review your coverage? Contact us today. We’re here to help you make confident, informed choices about your auto insurance policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.