States
Arizona minimum car insurance: 25/50/15
At least $25,000 per person, $50,000 per accident and $15,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Arizona minimum: 25/50/15 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$90,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $15,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Arizona's statute keeps two sets of numbers, which is why old articles can mislead. Section 28-4009 shows 15/30/10 for an earlier period and 25/50/15 now, and the second set is the one to compare with your policy. The enforcement section, 28-4135, rises by steps. A first violation carries a minimum civil penalty of $500 and three months of suspended or restricted driving. A second within 36 months carries at least $750 and six months without license, registration or plates. A third within 36 months carries at least $1,000 and one year, and the state then requires a filing of proof of financial responsibility before reinstating. The section does not call that filing an SR-22, so we do not either. The property line of $15,000 is the same as California's and Maryland's.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Arizona
No other state we read uses this exact combination, which makes copying a policy from a neighbor unreliable: check all three numbers, not just the first.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $15,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $15,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Arizona.
What else we read for Arizona
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Civil penalty of at least $500 and three months of suspended or restricted driving on a first violation; $750 and six months on a second within 36 months; $1,000 and one year on a third (A.R.S. 28-4135). | official text |
| SR-22 or similar filing | After a third violation, proof of financial responsibility must be filed before reinstatement (A.R.S. 28-4135). The section does not use the name SR-22. | official text |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.