Arizona Auto Insurance Requirements & Rates
Arizona requires 25/50/15 liability coverage and is an at-fault state.
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Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Arizona operates under a traditional at-fault tort system, meaning the driver responsible for an accident is liable for damages. The state requires all drivers to carry proof of financial responsibility — typically satisfied through liability insurance — and enforces compliance through an electronic verification system that cross-references DMV records with insurer databases. According to the Arizona Department of Insurance and Financial Institutions, failure to maintain continuous coverage triggers immediate registration suspension.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
Cost Overview
about $112/mo
Average car insurance spending in Arizona
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Comprehensive claims for monsoon-related flooding and hail damage spike June through September, particularly impacting rates in Maricopa and Pima counties
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Arizona a no-fault insurance state?
No, Arizona operates under a traditional at-fault tort system. The driver who causes an accident is responsible for damages, and injured parties can sue for costs beyond insurance policy limits. This makes carrying liability coverage above the state's 25/50/15 minimum critical — you remain personally liable for any damages exceeding your policy limits.
Coverage Types
Liability Insurance
The foundation of Arizona's mandatory coverage, protecting you financially when you cause injury or property damage. State minimums of 25/50/15 are often inadequate — consider 100/300/100 or higher to protect personal assets.
Full Coverage
Bundles liability, collision, comprehensive, and typically uninsured motorist coverage into complete protection for both your legal liability and your own vehicle regardless of fault.
Comprehensive Coverage
Covers theft, vandalism, weather damage, falling objects, fire, and animal collisions — everything except crashes with other vehicles or objects.
Uninsured Motorist Coverage
Protects you and your passengers when hit by a driver with no insurance or insufficient coverage to pay for your injuries and vehicle damage.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another vehicle or object, regardless of who caused the accident.
SR-22 Insurance
Not a separate coverage type but a certificate of financial responsibility filed by your insurer with the Arizona MVD, typically required after DUI, driving without insurance, or serious violations.