Arizona Car Insurance Requirements: 25/50/15 Minimums and Penalties
Arizona requires 25/50/15 liability coverage. What insurers must offer, how coverage is verified, and the fines and suspensions for driving uninsured.
Updated October 7, 2026 · 5 min read
Key takeaways
- Arizona requires liability limits of at least $25,000 per person, $50,000 per accident and $15,000 for property damage (25/50/15).
- Insurers must offer uninsured and underinsured motorist coverage in writing. Your decision shows on your declarations page.
- Insurers report new policies and cancellations to the MVD automatically.
- A first offense for driving uninsured costs at least $500 and restricts your driving privileges for three months.
Arizona's minimum car insurance
For policies issued or renewed on or after July 1, 2020, Arizona's minimums are:
| Coverage | Required minimum |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $15,000 |
Arizona raised these limits from 15/30/10 in 2020. It's an at-fault state.
Uninsured and underinsured motorist coverage
Arizona insurers must offer uninsured (UM) and underinsured (UIM) motorist coverage by written notice, at limits up to your bodily injury liability limits. Unlike some states, there's no separate rejection form: the declarations page you receive shows whether you bought it. Review it when your policy arrives so you know what you chose.
Free, no obligation, about two minutes. Or call: Insured 1-888-773-7558 · Uninsured 1-844-900-2302
How Arizona checks insurance
You have 30 days after registering a vehicle to provide proof of Arizona insurance. After that, insurers report new policies, cancellations and non-renewals to ADOT's Motor Vehicle Division automatically. An officer can take your license plate if you can't show proof of coverage.
Penalties for driving uninsured
| Violation | Penalty |
|---|---|
| First | At least $500, and driving privileges restricted for 3 months |
| Second within 36 months | At least $750, and license, registration and plates suspended for 6 months |
| Third or more within 36 months | At least $1,000, and suspension for 1 year |
The MVD may also require an SR-22 after a suspension, often for three years, though the MVD says each case is different. See our SR-22 guide.
Is the state minimum enough?
The minimum is what the law requires, not what protects you. Liability limits cap what your insurer pays when you injure someone or damage their property. A serious crash can easily cost more than a minimum policy pays, and you can be personally responsible for the rest. Many drivers choose higher limits, such as 100/300/100, and add collision and comprehensive if their car would be expensive to replace. If you finance or lease, your lender will almost always require collision and comprehensive.
Quotes for higher limits often cost less than people expect, and the price difference between insurers can be larger than the difference between coverage levels. Comparing the same limits across several insurers is the clearest way to see your options.
Frequently asked questions
What is the minimum car insurance in Arizona?
25/50/15: $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage.
Is uninsured motorist coverage required in Arizona?
No, but insurers must offer it in writing. Your declarations page shows whether you bought it.
How long do I have to show proof of insurance after registering in Arizona?
ADOT gives you 30 days after registering to submit proof of Arizona insurance.
Sources
How this guide was made: researched and drafted with AI assistance (Wren AI), and checked against the government and industry sources listed above. Wren AI is an AI tool, not a person or a licensed insurance agent.
This guide is general information, not insurance, legal or tax advice. Coverage, rules and prices vary by state, insurer and policy. Confirm details with a licensed agent before you buy. Read our editorial policy.