Although Arizona’s insurance requirements are 15/30/10 ($15,000 in single-person injury, $30,000 in total injury, $10,000 for property), you can choose to increase these rates if you wish. Choosing a different level of insurance can make your premium go up, but in many cases, the extra coverage is worth the payment.

In addition to the liability insurance we’ve already discussed, you might want to purchase uninsured motorist insurance, which helps you in case the other driver is driving illegally. You can also purchase collision insurance, which will cover your car, even if you were the one to cause the accident.

What level of insurance to you need? That depends on your specific situation. First, consider your vehicle. The more expensive the car, the higher level of collision insurance you want to carry. Other than that, you should talk to your Arizona auto insurance representative. Consider the average costs of car crashes in your county and the monthly premium you can afford.