Arizona raised its minimum liability limits on July 1, 2020, from 15/30/10 to 25/50/15 under A.R.S. §28-4009, and every policy issued or renewed since carries at least $25,000 of bodily injury coverage per person, $50,000 per accident, and $15,000 for property damage. If you've been quoting insurance since before 2020, the floor you're pricing against is higher than it used to be.
Arizona is an at-fault state with no PIP requirement: the driver who causes the crash pays for the other side through liability coverage. Because every carrier prices the same 25/50/15 floor differently, often by hundreds of dollars a year, Arizona is a state where comparing quotes does real work.
The figures below explain the policy structure used in Arizona. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Arizona minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $25,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $50,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $15,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- Not required (at-fault state)
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $25,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $50,000 | Total covered injuries in one accident |
| Property damage liability | $15,000 | Covered damage you cause to other property |
| PIP or medical coverage | Not required (at-fault state) | Medical coverage rules vary by policy |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Arizona
State law is only the starting point. These Arizona-specific details show what to confirm before you compare coverage or buy a policy.
The 2020 increase, and what it means when you shop
The 2020 change raised every part of the minimum policy at once, more required coverage costs more, and it moved premiums for minimum-coverage drivers accordingly. That reset also reshuffled which carriers were most competitive at the new limits, so quotes gathered before the change, or assumptions carried over from them, are stale.
The $15,000 property damage floor remains the number most likely to fall short: it's below the replacement value of most newer vehicles on Phoenix or Tucson freeways. Comparing quotes at higher property-damage limits usually costs less extra than drivers expect, which is exactly the kind of thing a side-by-side comparison surfaces.
At-fault liability in Arizona
After a crash, the at-fault driver's liability policy pays the other side's injuries and vehicle damage; your own losses are covered by the other driver's policy or by your optional coverages. Uninsured and underinsured motorist coverage remain optional in Arizona, but nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council), which is why many Arizona drivers include UM/UIM when they compare.
Medical payments and collision coverage are likewise optional add-ons. The useful comparison isn't just the bottom-line premium but what each quote includes at that price.
SR-22: 'future financial responsibility' in Arizona
Arizona's Motor Vehicle Division calls its SR-22 requirement 'future financial responsibility.' After a DUI, a drug-test refusal, or certain insurance violations, license reinstatement requires an SR-22 certificate that your insurer files electronically with MVD, generally maintained for three years from reinstatement eligibility. State rules even allow a $40,000 deposit as an alternative, though nearly everyone files the certificate instead.
If the SR-22 policy lapses during the required period, the license is suspended again until proof is re-established. Because carriers price a DUI record very differently from one another, drivers under a filing requirement typically see the widest gap between quotes, and the most to gain from comparing.
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Start a Arizona quote requestWhat affects car insurance rates in Arizona?
Average annual expenditure for auto insurance in Arizona was $1,156 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024). It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Arizona ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Arizona car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Arizona. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Arizona city
State law applies across Arizona, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Arizona page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is A.R.S. §28-4009; Arizona Department of Insurance and Financial Institutions. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Arizona Legislature — A.R.S. §28-4009 ↗Current state statute setting the minimum limits for an Arizona motor vehicle liability policy.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
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