How State-Minimum Auto Coverage May Leave You Exposed 

Many drivers in Arizona need auto insurance, but simply meeting the state’s minimum requirements may not provide sufficient coverage. Above All Insurance can help you learn more about the potential risks of relying only on state-minimum auto coverage and how more robust options can lead to greater financial security.

Arizona’s State-Minimum Auto Coverage

Arizona law requires drivers to prove financial responsibility, typically by carrying a minimum amount of liability insurance. This includes coverage for bodily injury and property damage you may cause to others in an accident. While these limits satisfy legal requirements, they may not be enough to cover the full costs of a serious accident.

Potential Gaps and Risks

Relying on state-minimum coverage can leave you financially vulnerable in the following ways:

• Insufficient liability limits—If you’re at fault in an accident and the damages exceed your policy’s limits, you might have to pay the difference out of pocket.
• No coverage for your own vehicle—State-minimum policies typically do not include collision or full coverage, so damage to your own car from accidents, theft or severe weather may not be included.
• Uninsured and underinsured motorist risks—Arizona may have drivers who are uninsured or carry only minimal coverage. If you’re involved in an accident caused by one of these drivers, state-minimum policies may not provide enough financial support for your injuries or damages.
• Limited financial support—Medical bills, legal fees and repair costs can accumulate after an accident. Without adequate coverage, your savings and assets could be at risk.

Why Consider Broader Coverage?

Upgrading your auto insurance can help shield you from unexpected expenses and provide wider financial security. Options such as higher liability limits, uninsured/underinsured motorist coverage, and physical damage protection can make a significant difference following an accident.

Get Covered Today

Our team at Above All Insurance is committed to helping you make informed decisions about your auto insurance. We can assess your situation and recommend suitable policies. Contact us today to learn more.

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.