Arizona Auto Insurance Rates & Requirements 2025
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 as a traditional tort liability state, meaning the at-fault driver is financially responsible for accident damages. All drivers must carry proof of financial responsibility, verified through the Arizona Motor Vehicle Division's electronic insurance verification system.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist 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 spike during monsoon season (July–September) when flash flooding, hail, and debris damage vehicles across the state.
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Arizona a no-fault insurance state?
No, Arizona is a traditional tort liability state. The at-fault driver is financially responsible for all accident damages, meaning injured parties can file claims against the responsible driver's liability insurance or sue for amounts exceeding policy limits. This makes carrying higher liability limits than the 25/50/15 minimum crucial for protecting personal assets.
Coverage Types
Liability Insurance
Required coverage that pays for injuries and property damage you cause to others. Arizona's 25/50/15 minimums are frequently inadequate for serious accidents involving newer vehicles or medical treatment.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal obligations and your own vehicle. Required by lenders and lease companies.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, weather events, falling objects, and animal strikes. Pays up to your vehicle's actual cash value minus your deductible.
Collision Coverage
Pays for damage to your vehicle after an accident with another car or object, regardless of fault. Works with a deductible you select, typically $500–$1,000.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or flees the scene. Covers your medical bills, lost income, and vehicle damage up to your selected limits.
SR-22 Insurance
Not a coverage type but a certificate of financial responsibility filed with the Arizona MVD after serious violations like DUI, reckless driving, or driving without insurance.