Minimum car insurance in Arizona.
What Arizona requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Arizona, the minimum liability limits are written 25/50/15 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $15,000 for property damage.
How the system works
Arizona is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. No other coverage required.
What the minimum means in practice
Say a crash you cause injures three people. The Arizona minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $15,000.
If you drive without insurance in Arizona
Arizona law sets a minimum civil penalty of $500 for a first violation, $750 for a second within 36 months and $1,000 for a third or later, with driving privileges suspended or restricted for 3 months for a first violation. A second violation suspends the license, registration and plates for 6 months, and a third or later violation for one year.
Proof of insurance
Drivers must keep evidence of current financial responsibility in the vehicle, which may be shown on a wireless device, and if an insurer reports a lapse the MVD sends the owner an inquiry notice asking to confirm insurance status.
SR-22 and similar filings
Arizona requires an SR-22 after an insurance-law violation under A.R.S. 28-4135, for 3 years from the date the driver becomes eligible for reinstatement.
Also worth knowing in Arizona
A citation for no insurance must be dismissed if the person shows the court evidence that required coverage was in force when the citation was issued.
Your state regulator
Arizona Department of Insurance and Financial Institutions is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Arizona a no-fault state?
Arizona is generally an at-fault state.