Auto Insurance in Arizona

Liability pays other people. Bodily injury covers the medical bills, lost wages and pain of anyone you injure in a crash you cause; property damage covers their car, fence, or storefront. Limits are written per person, per accident and per accident for property, and once a limit is spent the rest comes from you. The state minimum is a floor, not a recommendation; most households with a home or savings carry far more, and an umbrella policy sits above these limits.

Collision repairs or replaces your own car after it hits, or is hit by, another vehicle or an object, whoever is at fault. It pays the car's actual cash value less your deductible, so an older car can be worth less than the coverage costs over a few years, which is a real decision rather than a default.

Comprehensive covers damage that is not a collision: theft, vandalism, hail, a windshield cracked by a rock on the freeway, a tree limb in a monsoon gust, flood water, fire, and hitting an animal. It carries its own deductible, often lower than collision, and glass is sometimes handled with a separate, smaller deductible or none at all.

When the driver who hits you carries no insurance or too little, this coverage stands in for theirs and pays your injuries, and in some states your car, up to your own limits. In the four states we serve a meaningful share of drivers are uninsured, so we usually recommend matching these limits to your liability limits rather than the minimum.

Medical payments coverage pays medical bills for you and your passengers regardless of fault, with no deductible, and can fill a health plan's deductible after a crash. Personal injury protection does the same and can add lost wages and other expenses; Utah requires it as part of its no-fault system, and the other three states offer it or medical payments as an option.

Rental reimbursement pays a daily amount for a rental while your car is repaired after a covered loss. Towing and roadside pays for a tow, a jump or a lockout. Gap coverage pays the difference between what the car is worth and what you still owe on the loan or lease if it is totalled; it matters most in the first years of a long loan.