Auto Insurance Minimum Requirements
Arizona requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage — commonly written as 25/50/15. Arizona is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
Must be offered in writing; policyholder can explicitly decline coverage.
SR-22 Filings
Required for 3 years following high-risk offenses like DUI or driving without valid insurance.
Alternatives to Insurance
A certificate of deposit of $40,000 issued by the State Treasurer or a surety bond.
Fine
$500–$1,000
License / Registration
Suspension: Yes (3 months)
SR-22 Required After
Yes
What is the minimum car insurance required in Arizona?
Arizona requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. This is written as 25/50/15 coverage.
Is Arizona a no-fault state?
No, Arizona is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Arizona?
Uninsured motorist coverage is not required in Arizona, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Arizona?
Driving without insurance in Arizona can result in fines of $500–$1,000 and license/registration suspension (Yes (3 months)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Arizona?
SR-22 filings are used in Arizona for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following high-risk offenses like DUI or driving without valid insurance.
What does 25/50/15 mean in Arizona?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
Arizona Department of Transportation Motor Vehicle Division
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.