Arizona Auto Insurance: Minimums, Rates & Costs
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 tort state, meaning the at-fault driver is financially responsible for damages in an accident. The Arizona Department of Transportation can suspend your registration and license if you fail to maintain continuous coverage.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Cost Overview
$82–$90/mo
Typical monthly rate in Arizona, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
What Affects Your Rate
- Arizona's monsoon season increases comprehensive claims for hail, flood, and dust storm damage, particularly July through September
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
Covers damage and injuries you cause to others. Arizona's 25/50/15 minimums protect your assets up to those limits — anything beyond comes from your pocket. If you own a home, have significant savings, or earn above minimum wage, consider 50/100/50 or 100/300/100 limits to avoid personal financial exposure.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene. Optional in Arizona, but you must actively reject it in writing. Adds $15–$35 per month depending on limits.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. You pay the deductible ($500–$1,000 typical), and the insurer covers the rest up to your vehicle's actual cash value. Not required unless you have a loan or lease.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, hail, flood, dust storms, and animal strikes. Arizona's monsoon season and high vehicle theft rates in Phoenix make this coverage relevant even for older vehicles if you can't afford a sudden $3,000–$5,000 loss.
Full Coverage
Bundles liability, collision, comprehensive, and usually uninsured motorist coverage. Lenders require this if you finance or lease. Once your loan is paid off and your vehicle's value drops below $4,000–$5,000, dropping collision and comprehensive can cut your premium in half.
SR-22 Insurance
A certificate your insurer files with the Arizona MVD proving you carry continuous coverage. Required after DUI, driving without insurance, excessive points, or serious violations. The SR-22 filing itself costs $15–$25, but your underlying premium will increase 50–120% due to high-risk classification.