Arizona Minimum Insurance Requirements Explained
Arizona requires 25/50/15 liability coverage: $25K per person, $50K per accident for bodily injury, and $15K for property damage. But these minimums may not cover serious accidents.
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What Are Arizona's Minimum Auto Insurance Requirements?
Arizona law requires drivers to carry minimum liability insurance of 25/50/15: $25,000 per person and $50,000 per accident for bodily injury liability, plus $15,000 for property damage. However, these minimums are often insufficient for serious accidents. A single emergency room visit can exceed $25,000. If you're injured by a driver carrying only minimum coverage, their insurance may not fully compensate your injuries. This is why Uninsured/Underinsured Motorist coverage is crucial. AZ Spine recommends carrying liability limits of at least 100/300/50 and matching UM/UIM coverage. Despite low minimums being common, you can still receive treatment through proper insurance coordination.
Last updated: February 2026
Key Takeaway
Arizona requires 25/50/15 liability coverage: $25K per person, $50K per accident for bodily injury, and $15K for property damage. But these minimums may not cover serious accidents.
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