Insurance
Car Insurance in Arizona
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Arizona requires at least 25/50/15 in liability coverage. That's the minimum. Arizona is an at-fault state, so the driver who causes a crash pays for the damage, and the minimum can run out fast in a serious crash.
Insurers must also offer you uninsured and underinsured motorist coverage in writing. It's worth a close look before you turn it down.
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What Arizona requires
The minimum is 25/50/15. That means your policy pays up to:
- $25,000 for each person you injure
- $50,000 total for everyone you injure in one crash
- $15,000 for damage to other people's property
These limits apply to policies issued or renewed since July 1, 2020. Before that, the minimum was 15/30/10.
$15,000 doesn't go far. Many new cars cost more than $15,000 to replace. If you total someone's newer car, you could owe the rest yourself.
Uninsured and underinsured motorist coverage
Arizona insurers must offer you both of these in writing:
- Uninsured motorist (UM) pays for your injuries if the at-fault driver has no insurance.
- Underinsured motorist (UIM) pays when the at-fault driver's limits are too low to cover your injuries.
You can turn them down. Your choice shows on your policy's declarations page. Many drivers keep them, because they protect you when the other driver can't pay.
What happens if you drive without insurance
Arizona takes this seriously:
- First violation: a civil penalty of at least $500, and your driving privileges can be restricted or suspended.
- Repeat violations within 36 months: penalties of at least $750, then $1,000, with license and registration suspensions of up to 1 year.
You'll also need proof of insurance to get your license and registration back.
Driving risks that shape Arizona coverage
- Dust storms. During monsoon season, dust can drop visibility to near zero in seconds. The Arizona Department of Transportation's advice is "Pull Aside, Stay Alive": pull off the paved road, turn off all your lights, set the brake, and take your foot off the brake pedal.
- Monsoon hail and flooding. Damage to your own car from hail, flash floods, and falling branches is covered only by comprehensive. Learn what comprehensive covers.
- Rock chips and cracked windshields. Highway gravel is common. Ask what your glass coverage and deductible are.
- Heat. Extreme heat is hard on batteries and tires. Roadside assistance is a low-cost add-on worth pricing out.
What changes your price in Arizona
- Where you live. Phoenix and Tucson usually cost more than rural areas.
- Your driving record. Tickets and at-fault crashes raise your rate.
- Your car. Newer and pricier cars cost more to insure.
- Your coverage and deductibles. More coverage costs more. A higher deductible usually lowers your price.
Not a quote or an offer. Your price comes from the insurance company.
Car insurance in Phoenix
Phoenix drivers follow the same state rules. Heavy freeway traffic can mean higher prices than in small towns. Compare several quotes with the same limits and deductibles. See how to lower car insurance.
What to ask before you choose
- "How much would higher liability limits cost?" $15,000 in property damage won't cover many newer cars.
- "Did I keep uninsured and underinsured motorist coverage?"
- "Do I have comprehensive for hail and flood damage?"
- "What's my glass deductible? Is full glass coverage available?"
- "Is roadside assistance included?"
The catch: the cheapest Arizona quotes are often bare-minimum liability with UM and UIM turned down. That saves money until you're hit by a driver with no insurance. Price out the coverage before you sign it away.
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Keep reading
Own a home in Arizona? See Arizona homeowners insurance. Want more liability protection? See umbrella insurance.
More car insurance guides: Car insurance cost · SR-22 insurance · High-risk car insurance · Liability-only car insurance · Car insurance for teens · How to lower car insurance · What affects your auto insurance price · What comprehensive covers · Car insurance without a car · Umbrella insurance · All car insurance
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More Arizona guides: Arizona homeowners insurance · Phoenix car insurance
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