Arizona car insurance: minimums, prices and your estimate
Arizona requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $15,000 of property damage liability (written 25/50/15).
Arizona is an at-fault state with no PIP or medical payments requirement. Uninsured and underinsured motorist coverage is optional, but insurers must offer it in writing on a state-approved form, and your declarations page records your final choice.
- Legal minimum
- 25/50/15
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 or $40,000 deposit
What drivers in Arizona can expect to pay
Monthly ranges from our model, anchored to Arizona's position in 7 published price studies from 2025 and 2026 ($3,096 a year for full coverage and $979 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $222-$294 | $3,096 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $70-$93 | $979 |
| Young driver, full coverage20, own policy, clean record | $413-$619 | $6,192 |
| Senior, full coverage70, clean record | $213-$283 | $2,972 |
| After one at-fault accident35, full coverage | $333-$441 | $4,644 |
| After a DUI35, full coverage | $388-$582 | $5,820 |
| Poor credit35, clean record, full coverage | $396-$569 | $5,790 |
Build your Arizona estimate
Rules worth knowing in Arizona
- You can buy uninsured and underinsured motorist coverage in amounts up to your bodily injury liability limits. If you decline, your insurer does not have to offer it again at renewal or when state minimums change.
- If a credit report leads to a worse decision, the insurer must tell you and list up to four main reasons. Credit-based scores cannot use your income, gender, ZIP code, ethnicity, religion, marital status, nationality or medical debt in collections.
- Outside the credit-based score, Arizona insurers may still consider your gender, marital status and where you live.
- Instead of a policy, you can deposit $40,000 in cash or certificates of deposit with the State Treasurer.
- Keep proof of insurance in the vehicle; showing it on your phone counts.
- If Arizona requires proof of financial responsibility, you can meet it with an SR-22 certificate of insurance filed with the Arizona Department of Transportation's Motor Vehicle Division or a $40,000 deposit with the State Treasurer; the state sets how long, so check with the MVD.
Questions about Arizona car insurance
What is the minimum car insurance in Arizona?
Arizona requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $15,000 of property damage liability (written 25/50/15).
How much is car insurance in Arizona per month?
For a 35-year-old with a clean record, our model puts full coverage at about $222 to $294 a month and state-minimum coverage at about $70 to $93. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Arizona a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Arizona use my credit score?
Yes. Many insurers in Arizona use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Arizona?
Only if a court or the state requires one, usually after a serious violation or a lapse. If Arizona requires proof of financial responsibility, you can meet it with an SR-22 certificate of insurance filed with the Arizona Department of Transportation's Motor Vehicle Division or a $40,000 deposit with the State Treasurer; the state sets how long, so check with the MVD.