Liability Insurance — Arizona
Liability insurance pays for damage and injuries you cause to others in an accident, but won't cover your own vehicle or medical bills.
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What Is Liability Insurance Insurance?
Liability insurance covers property damage and bodily injuries you cause to other people when you're at fault in an accident. It consists of three components: bodily injury per person, bodily injury per accident, and property damage.
Who Needs Liability Insurance Insurance?
Anyone reinstating a suspended license in Arizona must carry liability insurance continuously for the duration of the reinstatement period, even if not actively driving. Drivers planning to use a hardship or restricted license need an active policy before the MVD will issue driving privileges. Suspended drivers without a vehicle need a non-owner liability policy to satisfy reinstatement requirements.
If reinstatement requires SR-22 filing, you need liability insurance immediately and must maintain it without lapses for 3 years. If your suspension does not require SR-22 but you want driving privileges back, you need proof of insurance before the MVD will process reinstatement. If you don't own a car, get a non-owner policy. If you plan to drive regularly after reinstatement, consider limits higher than 25/50/15 to avoid personal liability exposure in multi-vehicle accidents.
How Much Does Liability Insurance Insurance Cost?
- Vehicle type for owned-vehicle policies: liability costs scale with vehicle value for comprehensive risk assessment, even though liability itself doesn't cover your car.
