Is UM/UIM coverage required in Arizona?

Arizona requires insurers to offer it; drivers can decline it. Whether you have it is on your declarations page.

Does making a UM/UIM claim raise my rates?

That depends on the insurer and the policy. It's a fair question to ask your agent, and a lawyer can explain how the claim is handled.

Can UM/UIM cover passengers in my car?

Coverage on your policy generally extends to occupants of your vehicle, subject to the policy's terms.

What is the Arizona minimum liability limit?

Arizona's minimum bodily injury liability coverage is $25,000 per person and $50,000 per accident.

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Arizona UM/UIM Coverage Check

Arizona insurers are required to offer uninsured and underinsured motorist coverage, and many drivers carry it without knowing. This tool shows whether that coverage on your own policy may come into play after a crash caused by a driver with no insurance or not enough. It's an educational estimate from the numbers you enter — the policy language and the facts of the crash decide what actually applies.

This tool provides general information only. It is not legal advice and does not create an attorney-client relationship. It runs entirely in your browser — nothing you enter is stored or sent anywhere.

Your UM (uninsured motorist) bodily injury limit per personFind these on the declarations page of your auto policy — the summary page listing each coverage and its limit.I don't know / not on my policyYour UIM (underinsured motorist) bodily injury limit per personI don't know / not on my policyOther driver's bodily injury liability limit per personYour estimated total damages so far (medical bills + lost income + other)

What these numbers show

Your UM coverage is the coverage that may apply.
Check your declarations page — if UM is listed, that limit is what may apply.

Arizona insurers must offer UM and UIM coverage. Whether it's on your policy is a declarations-page question.

How this works

UM coverage steps in when the at-fault driver has no insurance. UIM coverage steps in when the at-fault driver's limit is lower than your damages. Both live on your own policy. The amounts available depend on the limits you chose when you bought the policy, the policy's terms, and the facts of the crash. This tool shows the arithmetic; it does not determine coverage.

Frequently asked questions

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