Arizona car insurance requirements
Every driver in Arizona must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Arizona drivers should know
- Arizona requires at least 25/50/15 liability coverage. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Arizona is an at-fault state. Insurers must offer uninsured and underinsured motorist coverage, which you can decline in writing.
- Glass damage from road debris is common on desert highways — ask whether full glass coverage is available on your comprehensive.
Home insurance in Arizona
- Monsoon storms, wind and flash floods are seasonal risks; flood damage needs a separate policy.
- Wildfire risk affects homes near brush and forest, and can change which insurers will write a policy.
Ways to save in Arizona
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.