Understanding Auto Insurance in Tucson, AZ

Auto insurance is a legal requirement for all drivers in Arizona. It may help provide financial protection against damage or loss from car accidents, theft and other incidents. The state mandates specific minimum coverage levels, but many drivers opt for additional coverage to ensure appropriate protection.

Arizona law requires drivers to carry bodily injury and property damage liability coverage. These policies may help cover the driver’s liability for third-party damages after an at-fault accident.

While these are the minimum requirements, they may not be sufficient to fully cover the potential costs of a serious accident. Your agent may recommend higher liability limits or additional types of coverage, including the following:

• Collision coverage may help pay for damage to your vehicle resulting from a collision, regardless of fault. This coverage is especially valuable if you’re financing or leasing your car.
• Comprehensive coverage may help cover damage to your vehicle from noncollision incidents, such as theft, vandalism or natural disasters.
• Uninsured/underinsured motorist coverage may help provide protection if you’re in an accident with a driver who doesn’t have enough insurance or any at all. This coverage can help cover medical expenses and repair costs.
• Medical payments coverage may help pay for medical expenses for you and your passengers, regardless of who was at fault in the accident.

Factors Affecting Auto Insurance Rates in Arizona

Several factors influence the cost of auto insurance in Arizona, including your driving record, location, vehicle value and type, coverage levels, and deductible. Insurers are also allowed to use your credit score to help determine the risk that you’ll file a claim. Your agent can help you understand how these factors affect your auto insurance premiums and gather quotes from multiple Arizona insurers.

Contact Us

Contact ABC Insurance & Financial Services in Tucson, AZ, to start comparing car insurance quotes.

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.