Car insurance in Arizona
Arizona is a at-fault state with a minimum liability requirement of25/50/15. Here's what that means, what it costs, and what to check before you buy.
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
Illustrative estimate: roughly $650-$950/year for minimum coverage; full-coverage state averages run much higher (~$2,400/year).
Why this is a range, not a quote
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 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.
See what fits your situation in Arizona
Two minutes, no phone number required until the last step.
Start the match →