Car-insurance requirements in Arizona (2026)
Arizona’s statute prints two limit tiers side by side, an older set and the one in force, distinguished only by the sentence introducing each. The operative figures are 25/50/15 in the usual shorthand. Arizona is also one of the few states whose regulator published complaint ratios alongside premium comparisons.
- Minimum liability limits
- 25/50/15
- Fault system
- At-fault (tort)
- Tort threshold
- not applicable
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $25,000 | required | A.R.S. §28-4009(A)(2)(b) |
| Bodily injury liability, per accident | $50,000 | required | A.R.S. §28-4009(A)(2)(b) |
| Property damage liability | $15,000 | required | A.R.S. §28-4009(A)(2)(b) |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
How old is this minimum?
Arizona’s $15,000 property-damage minimum took effect in 2020. $15,000 in July 2020 corresponds to $19,333 at the June 2026 price level, measured on the Bureau of Labor Statistics all-items index (CUUR0000SA0). The limit has not moved; what it buys has.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Arizona’s minimum of $15,000 leaves $27,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in Arizona
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Arizona
Arizona Department of Insurance and Financial Institutions publishes filed sample rates for 14 driver profiles across 10 ZIP codes, quoted as six-month premiums. We compute the distribution of those filed rates — 13,190 of them — and publish the count, the lowest, the quartiles, the median and the highest for every published combination.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Arizona — minimum limits 25/50/15
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $25,000 | required | A.R.S. §28-4009(A)(2)(b) |
| Bodily injury liability, per accident | $50,000 | required | A.R.S. §28-4009(A)(2)(b) |
| Property damage liability | $15,000 | required | A.R.S. §28-4009(A)(2)(b) |
Fault system: At-fault (tort).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Arizona
- What is the minimum car insurance required in Arizona?
- Arizona requires liability limits of 25/50/15 under A.R.S. §28-4009(A)(2)(b).
- Is Arizona a no-fault state?
- Arizona operates at-fault (tort).
- Where can I see what drivers in Arizona actually pay?
- Arizona Department of Insurance and Financial Institutions publishes filed sample rates for the driver profiles it defines. We compute the distribution of those filed rates and publish it, with the count behind every figure.
Statutory records for Arizona last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.