Arizona

Auto Insurance Minimum Requirements

25/50/15

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$15,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2020-07-01

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.

Official Source

Arizona Department of Transportation Motor Vehicle Division

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.