Arizona Car Insurance Requirements in 2025 (Your Guide to AZ Coverage)
Arizona car insurance requirements are 5/30/10, which means drivers must carry minimum liability coverage of $15,000 for injury per person, $30,000 per accident, and $10,000 for property damage. AZ car insurance minimums protect drivers and others involved in an accident. AZ car insurance rates start at just $24/mo.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
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UPDATED: Dec 27, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Understanding Arizona car insurance requirements ensures compliance with state laws and protection. Mandatory coverage includes $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage, with optional coverage available.
Meeting these requirements helps you avoid penalties and ensures peace of mind while driving. Comparing rates from top providers can help you find affordable policies tailored to your needs.
Arizona Minimum Car Insurance Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $15,000 per accident |
Companies like USAA State Farm and Progressive offer some of the cheapest rates in Arizona, starting as low as $24 per month.
Take control of your car insurance by entering your ZIP code and comparing rates from the best insurance providers.
- Arizona car insurance requirements mandate 25/50/15 liability coverage
- Affordable rates in AZ start at $24/month with USAA, State Farm, and Progressive
- Lack of insurance in Arizona leads to fines and suspension of your license
Arizona Car Insurance Requirements & What They Cover
In Arizona, all personal vehicles must meet the state’s minimum liability coverage requirements to ensure financial protection in case of an accident. This includes bodily injury liability of $25,000 per person and $50,000 per accident, which covers medical expenses and damages if you cause injuries to others.
It also includes property damage liability of $15,000 per accident, which pays for repairing or replacing another person’s property, such as their vehicle or other belongings.
Meeting these coverage requirements is essential for complying with Arizona law and avoiding penalties. These mandatory limits provide basic protection, but drivers may consider additional coverage options for enhanced security. We created a list of the most stolen vehicles in Arizona. Even if your car isn’t listed, comprehensive insurance can keep you protected.
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Cheapest Car Insurance in Arizona
When it comes to affordable car insurance in Arizona, USAA stands out as the cheapest option, with rates starting at just $24 per month. USAA is well-regarded for its exceptional customer service and comprehensive coverage options, making it a top choice for eligible drivers, including military members and their families.
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Min. Coverage in Arizona
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13,128 reviewsFollowing closely is State Farm, offering competitive rates starting at $30 per month. Known for its reliable service and extensive network of local agents, State Farm is a solid choice for drivers seeking affordable coverage with personalized support. Progressive rounds out the top three, providing rates as low as $32 per month and various discounts catering to different driving needs.
Arizona Min. Coverage Car Insurance Monthly Rates by City
| City | Monthly Rates |
|---|---|
| Casa Grande | $66 |
| Chandler | $76 |
| Flagstaff | $70 |
| Gilbert | $74 |
| Glendale | $77 |
| Kingman | $67 |
| Lake Havasu | $64 |
| Maricopa | $65 |
| Mesa | $78 |
| Peoria | $73 |
| Phoenix | $85 |
| Prescott | $69 |
| Scottsdale | $79 |
| Sierra Vista | $68 |
| Surprise | $72 |
| Tempe | $75 |
| Tucson | $80 |
| Yuma | $71 |
Monthly car insurance rates in Arizona can vary significantly depending on the city. For instance, drivers in Lake Havasu enjoy some of the lowest rates at $64 per month, while Mesa residents face slightly higher premiums averaging $78 per month. Other cities like Casa Grande and Kingman offer rates around $66 and $67 per month, respectively.
These variations highlight the importance of comparing rates by location to ensure you’re getting the best possible deal. With top companies like USAA, State Farm, and Progressive offering competitive pricing, Arizona drivers can find affordable coverage tailored to their specific needs and budgets.
Read more: Best Arizona Car Insurance Discounts
Penalties for Driving Without Auto Insurance in Arizona
Driving without auto insurance in Arizona results in fines ranging from $500 to $2,500, depending on the number of offenses, along with license and registration suspensions.
Penalties for Driving Without Auto Insurance in Arizona
| Offense | Penalty | Details |
|---|---|---|
| First Offense | Fine: $500-$1,000 | License and registration suspension for up to 3 months. |
| Second Offense | Fine: $750-$1,500 | License and registration suspension for up to 6 months. |
| Third or Subsequent | Fine: $1,000-$2,500 | License and registration suspension for up to 1 year; possible vehicle impoundment. |
| Reinstatement Fee | $35 | Paid to reinstate suspended license and registration. |
| SR-22 Requirement | Mandatory for 3 years | Proof of financial responsibility required to reinstate driving privileges. |
First offenses include a three-month suspension, while repeat offenses lead to six months or a year and may even involve vehicle impoundment. Offenders must also file an SR-22 form as proof of financial responsibility and pay reinstatement fees for up to three years to regain driving privileges. Active insurance helps drivers avoid these costly penalties and ensures compliance with state laws.
Read more: Can you lend your car to an uninsured driver?
Proof of Insurance and Financial Responsibility
Arizona requires drivers to maintain proof of insurance, such as an insurance ID card, a policy copy, or a certificate of self-insurance. This must be shown when requested by law enforcement or after an accident.
De-insurance – De-insuring your Vehicle
Vehicle owners can temporarily de-insure a vehicle not being driven on public roads by submitting a de-insured certificate online through the Arizona DOT.
Required Documentation
Drivers must present proof of insurance when operating a vehicle, after an accident, or upon request by a police officer. Options include an insurance ID card, policy copy, or self-insurance certificate.
Read more: What is a certificate of insurance?
Additional Coverage Options to Consider in Arizona
Beyond the mandatory liability insurance, Arizona drivers have several optional coverage options to enhance their protection. Uninsured and underinsured motorist coverage is a valuable addition, covering expenses if you are in an accident with a driver who lacks sufficient insurance. This ensures you are not left paying out of pocket for injuries or damages caused by someone else’s negligence.
Comprehensive coverage offers protection against non-collision incidents such as theft, vandalism, or natural disasters. For example, it covers damage from events like fire or a break-in, helping you repair or replace your vehicle after the deductible is met.
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Similarly, collision coverage helps pay for repairs or replacement if your car is damaged in an accident, regardless of fault. Together, these options provide peace of mind and financial security, making them worthwhile considerations for drivers seeking more comprehensive protection on Arizona roads.
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How to Obtain Car Insurance in Arizona
Securing car insurance in Arizona is a straightforward process that ensures you meet the state’s legal requirements and protect yourself on the road. Start by understanding Arizona’s minimum liability coverage requirements—$25,000 per person and $50,000 per accident for bodily injury, and $15,000 for property damage.
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Next, compare quotes from top providers such as USAA, State Farm, and Progressive to find a policy that fits your needs and budget. When selecting coverage, consider optional protections like comprehensive and collision insurance to safeguard against unexpected events (Read more: How To Get Free Insurance Quotes Online).
Once you’ve chosen a provider, provide the necessary documentation to complete your policy, including your driver’s license, vehicle information, and proof of residency.
Maintaining proof of insurance is essential, as you must present it during traffic stops or after an accident. With the right policy, you can drive confidently, knowing you’re protected and compliant with Arizona’s car insurance laws. See if you’re getting the best deal on car insurance by entering your ZIP code here.
Frequently Asked Questions
What vehicle insurance is required in Arizona?
Arizona requires a minimum liability coverage of $25,000 per person, $50,000 per accident for bodily injury, and $15,000 per accident for property damage.
Read more: What does car insurance cover?
Is insurance required to register a car in Arizona?
Yes, you must provide proof of insurance that meets Arizona’s minimum coverage requirements to register a vehicle. Our free online comparison tool allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
Do you need insurance to buy a car in Arizona?
You don’t need insurance to buy a car, but you must have insurance before driving it or registering it in Arizona.
How long can you go without car insurance in AZ?
Driving without insurance is illegal in Arizona, and any lapse can result in fines, license suspension, and other penalties.
How much is car insurance in Arizona?
Car insurance costs in Arizona vary but can start as low as $24 per month, depending on the provider, coverage, and driver profile.
When did car insurance become mandatory in Arizona?
Car insurance became mandatory in Arizona in 1972 to ensure financial responsibility for vehicle owners.
What is full coverage insurance in AZ?
Full coverage in Arizona typically includes liability, comprehensive, and collision coverage, protecting a variety of incidents.
Read more: Collision vs. Comprehensive Car Insurance
Can a non-resident register a car in Arizona?
Yes, non-residents can register a car in Arizona if they meet certain requirements, such as owning property or working in the state.
Is title insurance required in Arizona?
Title insurance is not required for vehicles in Arizona, but it is necessary for property purchases.
Is car insurance high in AZ?
Car insurance in Arizona is generally affordable compared to national averages, with rates depending on location, coverage, and driver history.
What is the lowest coverage for car insurance?
The lowest coverage in Arizona is the state minimum liability insurance coverage of $25,000/$50,000/$15,000 for bodily injury and property damage.
How long do you have to get insurance after buying a car in Arizona?
You must have insurance in place before driving the car off the lot or registering it in Arizona.
What is the minimum car insurance in Arizona?
Arizona’s minimum car insurance requirements are $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage.
Can I register a car without insurance in Arizona?
No, you cannot register a car in Arizona without proof of insurance.
What is the shortest time you can insure a car?
The shortest time you can insure a car depends on the provider, but many offer short-term policies as brief as one month.
What is full coverage auto insurance in Arizona?
Full coverage auto insurance in Arizona includes liability, comprehensive, and collision coverage, offering broader protection than the state minimum.
Is uninsured motorist coverage required in Arizona?
Uninsured motorist coverage is not required in Arizona, but it is highly recommended for added protection.
Read more: Types of Car Insurance Coverage
Is the car insured, or is the driver in Arizona?
In Arizona, insurance typically follows the car, meaning the coverage applies to the insured vehicle regardless of who is driving. Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
What are the requirements for commercial auto insurance in Arizona?
Commercial auto insurance in Arizona requires liability coverage based on the vehicle type and use, with higher limits than personal policies.
What happens if you don’t have car insurance in Arizona?
Driving without car insurance in Arizona can result in fines, license and registration suspension, SR-22 requirements, and potential vehicle impoundment.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.