State guide
Car Insurance in Arizona
Updated August 2026
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.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $15,000 |
| PIP / medical | Not required (at-fault state) |
| No-fault state | No |
| SR-22 used | Yes |
Source: A.R.S. §28-4009; Arizona Department of Insurance and Financial Institutions
Average annual expenditure for auto insurance in Arizona was $1,156 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024))
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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Frequently asked questions
What car insurance is required in Arizona?+
Liability coverage of at least $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage (25/50/15), under A.R.S. §28-4009. Arizona is an at-fault state and does not require PIP.
When did Arizona's minimum insurance limits change?+
July 1, 2020. Minimums rose from 15/30/10 to 25/50/15, applying to all policies issued or renewed on or after that date.
How long do I need an SR-22 in Arizona?+
Generally three years. Arizona MVD requires proof of future financial responsibility (SR-22) after DUI, refusal, or certain insurance violations, and a lapse during that period leads to re-suspension.
Is Arizona a no-fault state?+
No. Arizona is an at-fault (tort) state: the driver who causes an accident is financially responsible for the other party's injuries and property damage through their liability coverage.
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