Car insurance · Arizona
Car insurance requirements in Arizona
Liability minimum 25/50/15. Claims system: fault-based claims.
Verified summaryAll Arizona insurance topics
Requirements
Minimum car insurance requirements in Arizona
| Coverage | Requirement in Arizona |
|---|---|
| Bodily injury liability | $25,000 for one person / $50,000 for two or more people |
| Property damage liability | $15,000 per accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Optional. If you elect it, 25/50 is the minimum amount |
What the law requires you to carry
- Bodily injury liability: $25,000 for one person and $50,000 for two or more persons
- Property damage liability: $15,000
- Liability insurance for every vehicle you drive on Arizona roads, including golf carts, motorcycles and mopeds
- Coverage from a company authorized to do business in Arizona
Uninsured drivers
Uninsured motorist coverage in Arizona
Optional. If you elect it, 25/50 is the minimum amount.
- If you elect uninsured or underinsured motorist coverage, 25/50 is the minimum amount you can have on your policy.
Optional coverage
Coverage you can add in Arizona
- Uninsured motorist
- Underinsured motorist
- Medical payments
- Collision
- Comprehensive
Penalties
Penalties for driving without insurance in Arizona
According to the Arizona Department of Transportation, a suspension can be generated if the Motor Vehicle Division has not received proof of Arizona insurance. An SR-22 certificate, sent directly to the MVD by your insurer, shows you have the minimum liability insurance.
Good to know
Other things to know in Arizona
- After you register your vehicle, you have 30 days to submit proof of Arizona insurance, and insurers routinely notify the MVD of cancellations, renewals and new policies.
- Arizona raised its minimum limits from 15/30/10 to 25/50/15 for policies issued or renewed on or after July 1, 2020.
- For Mexico, the Department notes that Mexican law requires you to buy separate liability coverage from a Mexican insurer before driving there.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Arizona
- Arizona Department of Insurance and Financial Institutions
- Website: difi.az.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Arizona.
Home insurance resources and the health marketplace for Arizona are on its overview page.