Arizona minimum auto insurance explained

What Arizona law requires

Arizona drivers must show proof of financial responsibility to operate a vehicle on public roads. Most people meet that requirement with an auto insurance policy that includes at least minimum liability limits of 25/50/15.

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $15,000 property damage liability per accident

These limits apply to injuries and property damage you cause to others. They do not pay for your own medical bills or to repair your vehicle.

What minimum liability does not cover

Arizona drivers in our research often discover gaps only after an accident or a close call. Minimum liability does not include:

• Damage to your own car (collision coverage)
• Theft, vandalism, or weather damage to your car (comprehensive coverage)
• Your medical expenses (medical payments or health insurance may apply separately)
• Injuries caused by an uninsured driver, unless you carry uninsured motorist coverage

Uninsured and underinsured motorist coverage is not required in Arizona, but many drivers carry it because a meaningful share of drivers on the road may not have adequate coverage.

Why many drivers choose limits above the minimum

A serious accident can produce medical and repair costs that exceed 25/50/15 quickly. If damages exceed your policy limits, you may be personally responsible for the difference. Drivers shopping for coverage often compare higher limits against the modest premium difference for additional protection.

Lenders and lessors may require comprehensive and collision coverage with specific deductibles even when state law only mandates liability.

Driving without insurance in Arizona

Arizona enforces financial responsibility requirements. Drivers caught without proof of insurance may face fines, license suspension, and requirements to file an SR-22 before reinstatement. See our SR-22 guide and lapsed policy guide for related context.