How much car insurance do I need in Arizona?

Learn about minimum insurance coverage requirements for vehicles in Arizona, consequences for driving without insurance, and more.

According to the Insurance Research Council, approximately 14% of all drivers on the nation’s highways do not have insurance. If you’re involved in an automobile accident, there’s a chance that the other driver may not have insurance, which makes it all the more important that you be adequately insured. Not to mention that car insurance is a requirement for all registered vehicles in operation in most states, including Arizona.

Drivers who live in Arizona are required to carry the following minimum levels of car insurance on their vehicle:

Coverage Type

Arizona Requirements

Bodily Injury Liability

$15,000 per person/$30,000 per accident

Property Damage Liability


Uninsured Motorist

Not required

Underinsured Motorist

Not required

Medical Payments

Not required


Not required


Not required

A failure to maintain the proper car insurance could lead to the suspension of not only your driver’s license, but also your vehicle registration. In addition to the loss of your driving privileges, you can be fined as well. In Arizona, the typical penalties for this type of violation look like this:

First offense: A fine of $250 and a suspension of your license for up to three months;

Second offense: A mandatory fine of at least $500 and a six-month suspension of your driver’s license and vehicle registration;

Third offense: A mandatory fine of at least $750 and a one-year suspension of your driver’s license and vehicle registration.

The minimum insurance coverages shown above are merely that, the legally required minimums. Your insurance needs may be quite different from your next-door neighbor or even other members of your family. For example, while Arizona does not required you to carry uninsured motorist coverage, adding it to your policy can be a lifesaver if you're in an accident where the at-fault driver doesn't have insurance. Your local insurance agent can fully explain the different types of insurance that are available to you and help you identify the best insurance to address your needs.

In addition to your insurance agent, there are a number of other sources of information that you might find helpful, including our article Arizona Auto Insurance Laws and Regulations and these Car Insurance FAQ from the Arizona Department of Insurance.

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