Personal Insurance
Auto Insurance in Arizona
What is auto insurance?
Auto insurance pays for injuries and damage you cause to others, and can also cover damage to your own vehicle. Arizona requires minimum liability limits of 25/50/15, but those minimums leave many drivers underinsured in a serious accident.
BrokerPro compares auto options across carriers and helps you choose limits and deductibles that make sense for what you actually have at risk.
Who needs it
Beyond the legal requirement, auto insurance matters most for:
- Drivers with home equity, savings, or other assets a lawsuit could reach
- Households with teen drivers, where pricing varies widely between carriers
- Owners of financed or leased vehicles, since lenders require physical damage coverage
- Drivers with tickets or accidents who want to compare beyond their current carrier
- Anyone bundling home and auto, which often changes the math
What it commonly covers
A typical personal auto policy can include:
- Bodily injury and property damage liability for harm you cause others
- Uninsured and underinsured motorist coverage, which matters in Arizona given how many drivers carry minimum limits or none at all
- Collision coverage for damage to your car in an accident
- Comprehensive coverage for theft, glass, hail, and animal strikes
- Medical payments coverage
- Rental reimbursement and roadside assistance, if selected
What it may not cover
Personal auto policies commonly exclude:
- Business use beyond ordinary commuting, like deliveries or rideshare driving, unless properly endorsed
- Vehicles titled to an LLC, which usually need a commercial auto policy
- Intentional damage and racing
- Custom equipment beyond stated limits
Coverage varies by policy. The details above are general; your policy's terms control.
When it's commonly required
- Arizona law requires liability coverage on registered vehicles
- Your lender or leasing company requires collision and comprehensive coverage
- You drive for work and your employer requires proof of personal auto limits
How BrokerPro approaches it
Auto rates in Arizona swing widely between carriers for the same driver. The carrier that was cheapest for you three years ago may not be now. We run your profile across our carriers and show you the differences, including what changing your limits or deductibles actually does to the price.
We also flag the quiet risks, like carrying state minimum limits while owning a home, or using a personal policy for business driving. You decide what to do with that information; our job is to make sure you see it.
Common questions
What are Arizona's minimum auto insurance requirements?
Arizona requires 25/50/15 liability limits: $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. Those limits can be exhausted quickly in a serious accident, so many drivers choose higher limits, especially if they own a home or have savings.
Should I carry uninsured motorist coverage?
It is optional in Arizona but worth serious consideration. A meaningful share of Arizona drivers carry no insurance or minimum limits. Uninsured and underinsured motorist coverage protects you and your passengers when the at-fault driver cannot pay.
Does my personal auto policy cover business use?
Commuting is fine. Deliveries, job site driving with tools and materials, transporting clients, or vehicles titled to a business usually are not. If you use a vehicle for work, ask us. A commercial auto policy may be the right tool, and using the wrong policy type can lead to denied claims.
Ready to look at auto insurance options?
Send us the basics and we'll come back with practical choices and plain-English explanations. No runaround.