Arizona Car Insurance Requirements

Minimum Coverage Requirements

Arizona requires drivers to carry minimum liability insurance of 25/50/15 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage.

Average Car Insurance Costs in Arizona

Drivers in Arizona typically pay approximately $1,520 per year ($127/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Arizona

State Regulations and Key Rules

Arizona is a tort (at-fault) state. Uninsured motorist coverage is not required but must be offered by insurers. The state has relatively low property damage minimums, which may be insufficient for newer vehicles.

What Makes Arizona Unique

Arizona's hot climate and hail storms in the monsoon season make comprehensive coverage a wise addition. The state also has a higher-than-average rate of auto theft in urban areas.

Uninsured Drivers in Arizona

Approximately 12.0% of drivers in Arizona are estimated to be uninsured.

Risk Factors Specific to Arizona

Arizona's monsoon season (July–September) brings sudden flash flooding, hail, and dust storms (haboobs) that can cause significant vehicle damage. Comprehensive coverage is particularly important during these months.

What Arizona’s Minimum Actually Covers

Arizona’s minimum is 25/50/15: $25,000 per injured person, $50,000 total per accident for injuries, and $15,000 for property damage. With new vehicles averaging roughly $50,000, the $15,000 property damage limit would leave about $35,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Arizona

Uninsured motorist coverage isn’t mandatory in Arizona, though insurers generally must offer it and you may have to reject it in writing.

How Arizona Compares: Uninsured Drivers and Price

An estimated 12.0% of Arizona drivers are uninsured — roughly 1 in 8 — a middle-of-the-pack uninsured rate.

Our average premium estimate of $1,520 a year puts Arizona above the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Arizona

Phoenix and surrounding metro areas have elevated theft rates — anti-theft devices and GPS tracking systems can reduce comprehensive premiums. Arizona's strong insurer competition means shopping quotes annually pays off. Telematics programs (pay-per-mile or drive-monitoring) suit the many Arizona residents who drive less in extreme summer heat.

• Arizona's minimum liability requirement of 25/50/15 is the legal floor, not a safe target — since PIP isn't required in Arizona, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 12.0% of Arizona drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Arizona?

25/50/15: $25,000 of bodily injury liability per person, $50,000 per accident, and $15,000 of property damage liability.

Is Arizona a no-fault state?

No. Arizona is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Arizona?

An estimated 12.0% of Arizona drivers are uninsured, roughly 1 in 8.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.