Arizona Car Insurance
Arizona drivers must carry at least 25/50/15 liability coverage under A.R.S. § 28-4009, effective for all policies issued or renewed on or after July 1, 2020 under SB 1087 (Chapter 301, Laws 2019)14. Arizona is a traditional tort state: no PIP is required5. UM and UIM must be offered in writing under A.R.S. § 20-259.01; written rejection is required to decline3. ADOT MVD runs mandatory insurer reporting under A.R.S. § 28-4139; a confirmed lapse can trigger suspension of driver license, registration, and license plates26.
YesWeSure Bottom Line
What changed on July 1, 2020. SB 1087 raised Arizona's compulsory minimums from 15/30/10 to 25/50/15. Policies with the older limits were automatically adjusted at renewal14.
What is not required. Arizona does not require PIP. UM and UIM must be offered in writing on an approved form, but purchase is optional. In Arizona, UM/UIM is the practically important first-party decision35.
How Arizona verifies coverage. ADOT MVD runs continuous mandatory insurer reporting under A.R.S. § 28-4139. A confirmed lapse triggers suspension of license, plates, and registration2.
How to make a real decision. Treat 25/50/15 as a floor. For how to think about higher limits, see how to choose coverage limits. For the rating landscape, see how insurers calculate rates.
State requirements at a glance
What Arizona car insurance law requires
Minimum liability limits
25 / 50 / 151
$25,000 bodily injury per person, $50,000 per accident, $15,000 property damage per accident. Effective for all policies issued or renewed on or after July 1, 2020 under A.R.S. § 28-4009 as amended by SB 1087 (Chapter 301, Laws 2019). Raised the prior 15/30/10 floor.
Personal Injury Protection (PIP)
Not required5
Arizona is a traditional tort state. No PIP is required on personal auto. MedPay is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
Must be offered in writing3
A.R.S. § 20-259.01 requires every personal auto policy to offer UM and UIM in writing on a form approved by DIFI. Purchase is optional; written rejection required to decline. Minimum limits if purchased are 25/50 bodily injury.
Coverage verification
Mandatory insurer reporting to ADOT MVD2
A.R.S. § 28-4139 requires insurers to report policy status electronically to ADOT MVD. MVD can suspend driver license, vehicle registration, and license plates for a confirmed lapse.
Rate approval regime
DIFI oversight5
Arizona does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors. Rating is overseen by the Arizona Department of Insurance and Financial Institutions through filings.
The 25/50/15 minimum (post-July 1, 2020)
A.R.S. § 28-4009 compels every registered Arizona vehicle to carry 25/50/15 liability for policies issued or renewed on or after July 1, 20201. The three numbers refer to:
- $25,000 bodily injury per person.
- $50,000 bodily injury per accident.
- $15,000 property damage per accident.
Many Arizona drivers carry higher limits because 25/50/15 is calibrated to the smallest allowed exposure.
PIP is not required (traditional tort state)
Arizona does not require PIP. MedPay is an optional first-party add-on insurers typically offer. In Arizona, UM/UIM is the practically important first-party decision, discussed below.
Uninsured / Underinsured Motorist (UM/UIM)
A.R.S. § 20-259.01 requires every Arizona personal auto policy to offer UM and UIM in writing on a form approved by the Arizona Department of Insurance and Financial Institutions. Purchase is optional; the named insured may reject the coverage in writing. Minimum UM/UIM limits if purchased are 25/50 bodily injury3.
ADOT MVD mandatory insurer reporting
A.R.S. § 28-4139 requires insurers to report policy status electronically to the Arizona Department of Transportation Motor Vehicle Division. MVD can suspend driver license, vehicle registration, and license plates for a confirmed lapse26.
Rating-factor landscape
Arizona does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors. Rating is overseen by the Arizona Department of Insurance and Financial Institutions through filings5.
Where the Arizona situation rules live on YesWeSure
This State Guide owns the Arizona pricing and legal framework. Situation-specific Arizona mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Arizona SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. ADOT MVD consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Arizona. New-resident registration and MVD insurer-reporting enrollment are treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/15 minimum liability effective July 1, 2020 verified against A.R.S. § 28-4009 and SB 1087 (Chapter 301, Laws 2019). Policies with the older 15/30/10 limits were automatically adjusted to 25/50/15 at renewal on or after July 1, 2020.
- StrongUM / UIM must-offer in writing under A.R.S. § 20-259.01 verified against the statute. Purchase is optional; written rejection on an approved form is required to decline.
- StrongMandatory insurer reporting to ADOT MVD under A.R.S. § 28-4139 verified against the statute and the ADOT MVD consumer page. Suspension consequences for confirmed lapse include driver license, registration, and license plates.
- StrongArizona is a traditional tort state; no required PIP verified against the Arizona Department of Insurance and Financial Institutions consumer guide.
- LimitedDeliberately omitted from V1. An Arizona modeled cost anchor; the exact Arizona SR-22 duration (deferred to the after-a-DUI guide); carrier-specific AZ underwriting; and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A named auto-insurance editor and an Arizona-licensed reviewer are tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Arizona?
25/50/15 liability under A.R.S. § 28-4009, effective for all policies issued or renewed on or after July 1, 20201.
Is PIP required in Arizona?
No. Arizona is a traditional tort state. MedPay is an optional first-party add-on5.
Is UM/UIM required in Arizona?
UM and UIM must be offered in writing on an approved form under A.R.S. § 20-259.01. Purchase is optional; written rejection is required to decline3.
How does Arizona verify my insurance?
A.R.S. § 28-4139 requires insurers to report policy status electronically to ADOT MVD. MVD can suspend license, registration, and plates for a confirmed lapse2.
Sources & methodology
- A.R.S. § 28-4009: minimum amounts of financial responsibility; 25/50/15 effective July 1, 2020 under SB 1087 (Chapter 301, Laws 2019). (Arizona State Legislature, TIER 1)
- A.R.S. § 28-4139: Mandatory Insurance Reporting. Insurer reporting of policy status to ADOT MVD; suspension for confirmed lapse. (Arizona State Legislature, TIER 1)
- A.R.S. § 20-259.01: Uninsured and Underinsured Motorist coverage must be offered in writing on an approved form; written rejection required to decline. (Arizona State Legislature, TIER 1)
- Arizona Senate Bill 1087 (Chapter 301, Laws 2019): raises A.R.S. § 28-4009 minimum liability from 15/30/10 to 25/50/15 effective July 1, 2020. (Arizona State Legislature, TIER 1)
- Arizona Department of Insurance and Financial Institutions: Automobile Insurance consumer page. (Arizona Department of Insurance and Financial Institutions, TIER 1)
- Arizona Department of Transportation MVD: Vehicle Insurance Requirements. (Arizona Department of Transportation Motor Vehicle Division, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Arizona Revised Statutes Titles 20 and 28, Arizona Session Laws, Arizona Department of Insurance and Financial Institutions, ADOT MVD). No Tier 2 or Tier 3 publisher figures appear on this page. Every legal number traces to an Arizona primary source: A.R.S. §§ 28-4009, 28-4139, and 20-259.01, together with SB 1087 (Chapter 301, Laws 2019). This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .