Minimum Car Insurance in Arizona

For policies issued or renewed on or after July 1, 2020, minimum liability limits are $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $15,000 for property damage (25/50/15). A vehicle driven on Arizona highways must be covered by such a policy, a certificate of self-insurance, or an alternate method of proof — a certificate from the State Treasurer showing a deposit of $40,000 in cash or certificates of deposit. (Holders of a self-insurance certificate are subject to the older 15/30/10 limits.)

Arizona follows the at-fault (tort) system for auto accidents: the Arizona statutes reviewed require liability coverage for damages "imposed by law" on the insured and do not require personal injury protection or impose a no-fault threshold. The Alabama Department of Insurance's national list of state auto insurance systems lists Arizona among the "Tort States."

Uninsured (UM) and underinsured (UIM) motorist coverage are optional in Arizona, but every insurer writing auto liability policies must offer both by written notice, on a form approved by the Director of Insurance, with limits not less than the policy's bodily injury liability limits, and must include them if the named insured asks. The declarations page sent to the named insured is the final record of the decision to buy or reject the coverage. A new offer is not required when a lapsed policy is reinstated or an existing policy is transferred, modified or renewed. For a hit-and-run with no physical contact, the insured must provide corroboration that the unidentified vehicle caused the accident.