Arizona Car Insurance Requirements
Numbers refreshed
Arizona drivers must carry minimum coverage, and this is what it pays for.
- Average monthly cost for liability coverage is $73.
- The minimum liability limits are 25/50/15.
- 17th among 51 states for highest cost (1st = highest)
Arizona's requirements
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $15,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Not required |
| Underinsured motorist | Not required |
| Fault system | At-fault |
Source: Arizona Department of Insurance and Financial Institutions, Automobile Insurance; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the numbers cover
Arizona's minimum liability coverage is 25/50/15. Coverage reaches $25,000 per injured person, $50,000 for all injured people in a single crash and $15,000 for damage to another person's property.
These limits often fall short of medical bills and the cost of a newer car. You can face claims for amounts above those limits, so many drivers purchase 100/300/100 instead. The average yearly cost for liability coverage in Arizona is $879.
Driving without insurance
You can lose your license and registration by driving uninsured in Arizona. You may have to submit proof of insurance for several years to restore them.
Contact the Arizona Department of Transportation, Motor Vehicle Division (MVD) with any questions.
Additional Arizona car insurance information
First written