Arizona’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Arizona:

Is it mandatory to have car insurance in Arizona?


What are the minimum limits for Arizona?

$25,000 bodily injury per person
$50,000 bodily injury per accident
$15,000 property damage per accident



What is the maximum bodily injury liability and property damage limit available in Arizona?

This can vary by company, however commonly:

$250,000 bodily injury per person
$500,000 bodily injury per accident
$100,000 property damage per accident



What liability coverages are required to be offered in Arizona? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury must be offered, but they can be rejected.

How far back does Arizona go to look at violation history?

3 to 5 years depending on the carrier.

What additional policy types are offered in Arizona?

Named Non-Owner

Is an insurance score used in my rating in Arizona? If so, is it mandatory?

Yes, an insurance score is used for rating in Arizona, but it’s not mandatory.

What policy terms are available in Arizona?

1, 2, 3, 6, and 12 months depending on carrier

What is the minimum down payment option in Arizona?

Typically 1 month, can vary by risk

Are SR22s used in Arizona?  If so, is there a fee assessed? Is it filed electronically?

SR-22s are used. Most are filed electronically for free, although paper is acceptable.

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