Arizona Minimum Car Insurance Requirements (25/50/15)
A-MAX Editorial Team
Licensed-agent review pending
Short answer
Arizona minimum car insurance is 25/50/15 liability: $25,000 for injuries per person, $50,000 per accident and $15,000 for property damage. It pays for damage you cause to others, not your own car. Insurance companies report your coverage to the state.
Arizona law requires every driver to carry minimum liability car insurance of 25/50/15. That is the least coverage you can legally drive with. It protects other people when an accident is your fault. It does not pay to fix your own car.
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What is the minimum car insurance in Arizona?
Arizona requires liability coverage with these minimum limits, written as 25/50/15:
| Coverage | Arizona minimum | What it pays for |
|---|---|---|
| Bodily injury liability, per person | $25,000 | Medical bills and losses for one person you injure |
| Bodily injury liability, per accident | $50,000 | The most paid for everyone you injure in one accident |
| Property damage liability | $15,000 | Damage you cause to another car or property |
Source: Arizona Department of Transportation, Vehicle insurance information.
What does minimum liability insurance not cover?
A 25/50/15 policy only pays other people. It does not pay for:
- Repairs to your own car after an accident you cause
- Your own medical bills
- Theft, hail, monsoon damage or vandalism to your car
- Costs above your limits. If damages go past $25,000, $50,000 or $15,000, you may have to pay the rest yourself
Your agent will also offer uninsured and underinsured motorist coverage. To protect your own car, compare full coverage vs. liability only.
How does Arizona check that you have insurance?
Insurance companies report your coverage to the Arizona Department of Transportation (ADOT). If your policy is canceled or ends and you do not replace it, ADOT can suspend your vehicle registration. Keeping coverage in place without a gap helps you avoid that.
What happens if you drive without insurance in Arizona?
Driving without at least minimum coverage can lead to:
- Fines that go up with each offense
- Your driver license and vehicle registration being suspended
- Fees to get your license and registration back
- Being required to file an SR-22 with ADOT
Read more about the risks of driving without insurance, or how to get covered after a gap in insurance.
Is minimum coverage enough?
Minimum coverage keeps you legal and usually costs the least. It can be a good fit if you drive an older car you could replace, or you need to get covered today on a tight budget.
Higher limits are worth a look if you have savings or a home to protect, drive a newer car, or carry passengers often. An A-MAX agent can show you prices for both side by side, so you can decide.
How to get Arizona minimum car insurance with A-MAX
A-MAX works with drivers other companies turn away. We shop for you and show you more price options, so you choose what fits. You can get a quote in about 2 minutes and get a policy the same day, often within the hour.
- Start online: get a quote
- Visit an Arizona office: find an office
- Need an SR-22? See Arizona SR-22 insurance
- See Arizona auto insurance for all your coverage options
Written by the A-MAX Editorial Team. This article is general information, not legal advice. Coverage and prices depend on the company and your situation.
Related reading
About this page
Written by the A-MAX Editorial Team. This page has not yet been reviewed by a licensed A-MAX agent. We review and update it as state rules and carrier availability change.
Last updated November 3, 2026
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FREQUENTLY ASKED QUESTIONS
Arizona requires 25/50/15 liability coverage: $25,000 for injuries per person, $50,000 for injuries per accident and $15,000 for property damage.
No. Minimum liability only pays for injuries and damage you cause to others. To cover your own car you need collision and comprehensive coverage.
Insurance companies report coverage to ADOT. If your coverage ends and is not replaced, ADOT can suspend your vehicle registration.
An SR-22 in Arizona is filed with ADOT by your insurance company. A-MAX can file it for you, usually the same day.
Yes. A-MAX specializes in high-risk drivers, including tickets, accidents, SR-22s and a gap in insurance. We shop for you so you can choose.
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