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Help Change Arizona’s Minimum Auto Insurance Limits

Posted On 02/07/17


Arizona’s minimum auto insurance requirements are among the lowest in the nation, at just $15,000 per person for bodily injury and $30,000 maximum per crash, with just $10,000 for property damage.  These limits are often too low to reimburse injured parties for the cost of their medical care or the repair of their cars.  When safe drivers are injured by a driver with low limits, we are forced to make up the difference, either with our own insurance or by relying on tax-payer funded medical care.

A bill to increase the minimum financial responsibility limits for auto insurance in Arizona to $25,000 per person/$50,000 per crash/$25,000 for property damage has passed the Transportation Committee in the Arizona Senate.  The Bill now goes to the Senate Rules Committee and then to the floor of the Senate for a vote.  If it passes, the bill will need to get through the House, which is anticipated.

Please contact your senators to voice your support for this bill, either by phone, email, or letter.  If you are not sure of your legislative district, click here to find it:  If you know your district, or after you have found it, click here:  to get the name, email, and phone number of your senator and here: for your House representatives.

Tell them it’s been 45 years since the limits were last changed and it is time.  Studies have demonstrated that the change will increase policy premiums for just 20% of the motorists with the minimum limits and by only around 22 cents per day.  The study commissioned by ADOT, confirms that states with higher limits have lower uninsured rates.  You read that right, and you can find it here at pg. 111. Tell your senator that a Fiscal Memo was done in the House that shows the change will generate $146,000 to Arizona’s General Fund annually and will result in up to $125,000 per year in savings to the State’s ADOA Risk Management Fund.

Author: Serena C. Montague
Publication Date: February 7, 2017