VictimsGuide

A Citizen’s Guide to Auto Insurance and Crash Law

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ARIZONA GUIDE 02

Required Auto Insurance & Minimum Limits in Arizona

Arizona requires financial responsibility for motor vehicles, ordinarily satisfied through liability insurance. The current minimum limits are $25,000 for bodily injury or death to one person, $50,000 for bodily injury or death to two or more persons in one accident, and $15,000 for property damage.

Minimum limits are only the floor

A serious-injury claim can exceed the statutory minimum quickly. Coverage analysis should therefore identify the actual policy limits, permissive-user protection, any other applicable liability policy, and umbrella or excess coverage rather than treating 25/50/15 as the available recovery.

  • Confirm the vehicle owner and policy describing the vehicle.
  • Determine whether the driver qualifies for liability protection under the policy and Arizona law.
  • Obtain the complete policy and endorsements, not only the insurance card.
  • Investigate employer, commercial, umbrella, excess and other available layers.

Migration source: https://www.victimsguide.com/az-required-auto-insurance. Arizona master-index review dated Sept. 13, 2026; verify current Arizona primary authority before reliance.