What Arizona Law Requires
Every driver in Arizona must carry minimum liability coverage. As of 2026, the state minimum is 25/50/15:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability
This is the legal floor to register and drive a vehicle in Arizona. But "legal" and "enough" are two very different things.
Why the Minimum Isn't Enough
Liability covers damage and injuries you cause to others. If you're at fault in a serious crash on US-60 or Grand Avenue, $25,000 per person disappears fast — a single ER visit, surgery, or a newer vehicle can exceed it easily. Once your liability limit is gone, you are personally on the hook for the rest, and your savings and assets are exposed.
The Coverage Arizona Drivers Really Need
- Higher liability limits. Many drivers move to 100/300/100 to protect their assets — often for a modest increase.
- Uninsured/Underinsured Motorist (UM/UIM). Arizona has one of the highest uninsured-driver rates in the country. UM/UIM protects you when the at-fault driver has no insurance or too little. We strongly recommend it.
- Comprehensive. Covers dust-storm and hail damage, theft, fire, and animal collisions — real risks on NW Valley roads.
- Collision. Repairs your own vehicle after an accident, regardless of fault.
- Medical payments. Helps with your medical costs after a crash.
Local Driving Realities
Sudden haboobs and monsoon downpours cause low-visibility pileups, open desert roads bring animal-collision risk, and Arizona heat is hard on vehicles. The right policy accounts for how and where you actually drive out here.
Don't Just Buy the Minimum
The cheapest policy that satisfies the law often leaves you dangerously exposed. As your local independent agency, we shop multiple carriers to find strong coverage at a competitive price — and bundling with home or renters usually saves more. [Get a free quote](/quote) and we'll compare your options.