Is Arizona an at-fault or no-fault state?

Arizona is an at-fault state for car insurance claims.

Field report · AZ

Car insurance in Arizona

Arizona is an at-fault state with a minimum liability requirement of 25/50/15. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/151

Fault systemAt-fault1

Uninsured motoristMust be offered1

RegulatorArizona Motor Vehicle Division (MVD), under the Arizona Department of Transportation

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage. Raised from 15/30/10 effective July 1, 2020; unchanged since.

Not mandatory to carry; insurers must offer UM/UIM but the driver can reject both in writing.

Estimated cost

$849 a year for minimum coverage, $2,644 for full coverage2

Average annual premiums in Arizona for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI conviction, an at-fault accident while uninsured, or a lapse in required liability coverage; usually maintained about 3 years.

Local conditions worth knowing

Arizona's summer monsoon season (July-mid September) produces sudden 'haboob' dust storms that can drop visibility to near zero within seconds, causing multi-vehicle pileups; extreme heat also raises tire-blowout risk.

Frequently asked

What is the minimum car insurance requirement in Arizona?: Arizona requires liability limits of at least 25/50/15. $25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage. Raised from 15/30/10 effective July 1, 2020; unchanged since.
Is Arizona an at-fault or no-fault state?: Arizona is an at-fault state for car insurance claims.
Do I need an SR-22 in Arizona?: Typically required after a DUI conviction, an at-fault accident while uninsured, or a lapse in required liability coverage; usually maintained about 3 years.
Is uninsured motorist coverage required in Arizona?: Not mandatory to carry; insurers must offer UM/UIM but the driver can reject both in writing.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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