Albuquerque And Mesa Personal Injury Lawyer

How Does Car Insurance Work in Arizona?

Tell Us What’s Happening. Get The Legal Help You Need.

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If you’ve suffered an injury from an Arizona car crash, you’re going to need the services of a professional car accident lawyer. Yes, your auto insurance will provide some financial protection, but handling the claim yourself isn’t an advisable course of action. Also, most people aren’t very knowledgeable about the particulars of car insurance laws.

Choose the Professional Car Accident Lawyer for Your Case: Wood Injury Law

Here at Wood Injury Law, we offer quality representation for personal injury cases resulting from car crashes. Our founder, Joshua Wood, has experience as an insurance defense attorney and in law enforcement, giving him both expertise and skill in handling car accident cases.

When you need a competent car accident attorney, choose Wood Injury Law in Mesa, Arizona. We’re the lawyers you’ll swear by, not at. Schedule your free consultation today by calling (623) 232-9355.

Average Cost of Car Insurance in Arizona

According to, the average cost of full coverage car insurance in Arizona for 2021 is $1,547 per year, which equals around $129 each month. The price drops to about $555 annually for minimum coverage or about $46 per month.

For some perspective, the average cost in the US for car insurance is $1,674 per year for full coverage and $565 per year for minimum coverage.

Minimum Coverage Requirements

As a driver in Arizona, you need at least the minimum amount of insurance coverage on your vehicle, whether it’s a motorcycle, moped, or even a golf cart. The minimum liability coverage for Arizona drivers is 25/50/15:

  • $25,000–bodily injury, per person
  • $50,000–bodily injury, per accident
  • $15,000–property damage, per accident

Liability coverage protects you if you ever cause a car accident. While it won’t pay for your injuries or vehicle repair bills, it will pay for property damages and medical bills for the other driver.

Optional Coverage for Arizona Drivers

The minimum coverage requirement is just that: the minimum. That’s why many drivers opt for higher levels of coverage, which offer much better protection in the event of an accident. Nobody ever expects to be the at-fault driver, but it happens. Optional coverage for Arizona drivers includes:

Collision: Collision coverage protects your car if you’re ever in a collision with another object or vehicle.

Roadside Assistance: This type of coverage provides emergency assistance if your vehicle breaks down, such as jump starts, fixing flat tires, and towing.

Comprehensive: Comprehensive coverage provides protection against things like theft, hitting an animal, or damage from natural disasters.

Uninsured Motorist: If you’re ever in an accident with another driver who doesn’t have insurance, uninsured motorist coverage provides you with complete protection. While the other driver without insurance is still ultimately responsible for your bills, this coverage will pay your bills in the meantime if the other driver can’t.

Underinsured Motorist: If you’re ever in an accident with another driver who doesn’t have enough insurance, underinsured motorist coverage provides you with complete protection. Your underinsured motorist coverage will be available once you have exhausted the other driver’s insurance.

Medical Coverage: Medical coverage does just that: provide financial protection for medical bills and funeral costs for you and any passengers in your vehicle in the event of an accident.

Arizona Is a Pure Comparative At-Fault State

Arizona is a pure comparative at-fault state, meaning that if you get in an accident with someone, both drivers can seek compensation, even if one driver was more at fault. The percentage of responsibility you have in the accident directly affects the amount of financial compensation you’ll receive if you file a claim.

If you decide to file a claim after a car crash injury, you’ll need the services of a professional lawyer for car accident cases. They’ll need to have the skill and experience to handle your case successfully. While hiring a lawyer is no guarantee of a favorable outcome, it increases your chances considerably.

How Long Do You Have to File an Insurance Claim?

If you’ve been in a car accident in Arizona, it’s vital to hire a car accident lawyer as quickly as possible. The law in Arizona only gives you two years after your accident to file a claim for compensation from the other driver.

Professional Lawyers for Car Accident Cases: Wood Injury Law

At Wood Injury Law, we can provide you with competent and effective representation for your personal injury case resulting from a car accident. Joshua Wood’s experience as an insurance defense attorney has given him invaluable knowledge and skill for helping his clients.

Don’t Hesitate: Call Wood Injury Law Today

Were you injured in a car crash in Arizona? If so, then hiring a car accident lawyer is a smart move to make. Arizona’s car insurance laws may be slightly confusing to understand at first, but don’t worry: you won’t have to handle them alone. Here at Wood Injury Law, we’ll walk you through every step of contingency planning in your car accident injury case. Schedule a call today at (623) 232-9355 or complete our online form to book your free consultation with us here at Wood Injury Law.


Copyright© 2021. Wood Injury Law. All Rights Reserved.


The information in this blog post (“post”) is provided for general informational purposes only and may not reflect the current law in your jurisdiction. No statement in this post should be construed as legal advice from the individual author or the law firm, nor is it intended to be a substitute for legal counsel on any subject matter. No reader of this post should act or refrain from acting based on any information included in or accessible through this post without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the recipient’s state, country or other relevant licensing jurisdiction.

Wood Injury Law
2509 S. Power Rd. Ste. 103,
Mesa, AZ 85209

(623) 232-9355

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