Arizona Liability/State Minimum

Understanding Arizona Minimum Liability Auto Insurance Requirements 

At Access Auto Insurance Agency, LLC (Access Auto), we know that finding car insurance can be daunting. If you live in Phoenix, Tucson, or the surrounding areas, understanding Arizona auto insurance requirements can help you make informed decisions about your policy. Whether you’re a new driver or just looking to update your car insurance coverage, having the minimum liability car insurance in Arizona can help you stay compliant with state law.  

What is liability car insurance? 

Liability auto insurance is a type of coverage that may pay for injuries or damage you cause to a third party in a car accident. Though it doesn’t cover your own car damage, it does help cover the other person’s expenses when you're at fault. 

There are two main parts to liability insurance: 

• Bodily injury liability: This can help cover medical bills and legal fees if you injure a third party in an accident. 
• Property damage liability: This can help pay for damages to a third-party’s property that your vehicle causes, which may include someone else’s car, fence, or building. 

Minimum Arizona car insurance requirements 

Now that you’re familiar with liability insurance, you may want to know what the liability coverage minimum is in Arizona. As of April 2025, state law requires all drivers to carry these limits: 

• $25,000 for bodily injury per person 
• $50,000 for total bodily injury per accident 
• $15,000 for property damage 

Though these limits are the mandated minimum, you may want higher liability limits to help you avoid excessive out-of-pocket costs after a covered accident.  

If you're caught driving without the required minimum liability insurance, you could face serious penalties. These may include fines, suspension of your driver's license and registration, and even needing an SR-22. An Arizona SR-22 is a certificate of financial responsibility which you may be ordered to get that proves you have the state’s auto insurance requirements. Purchasing a policy with Arizona’s liability minimum coverage can help you avoid legal issues associated with not carrying the required auto insurance.  

Cost of liability insurance in Arizona 

So, how much does liability insurance cost in Arizona? An auto insurance policy with only the state liability minimum can vary widely. If you're in Phoenix, for example, you might pay more due to higher traffic and accident rates. 

Your premium can depend on several factors, which may include: 

• Your driving record 
• Your age  
• The type of car you drive 
• Your location 

At Access Auto, we work with multiple carriers to help you find affordable rates that match your budget, no matter where you’re located in Arizona. Our carriers can also offer discounts for things like paying your premium in full, having continuous coverage, and bundling more than one vehicle on a single policy.  

What does liability car insurance in Arizona not cover? 

While Arizona legally requires that you have liability insurance, it does not cover every accident situation. Here’s what liability insurance won’t cover:  

• Damage to your own vehicle  
• Non-collision incidents like theft or vandalism 

That’s where full coverage auto insurance comes in. Full coverage is typically the combination of liability, comprehensive, and collision coverage. Comprehensive coverage can help pay for repairs to your vehicle from theft, vandalism, or weather-related damages, while collision coverage can help pay for damages to your own vehicle, regardless of fault. Opting for a full coverage auto insurance policy can help cover a wider array of accidents than only having liability minimum coverage.   

Consider your auto insurance needs in Arizona 

Drivers in Arizona may want different things for their auto insurance policy. When choosing your coverage, here are some factors you may want to think about: 

• The value of your vehicle 
• How often you drive 
• Where you live and park your car 
• Your driving history 

If you have a newer or more valuable car, or you commute through traffic in busier cities, you may want more than the minimum required coverage. 

At Access Auto, our agents can help discuss what auto insurance options are available to you. By comparing rates from different carriers, we can help you find the best policy for your budget and lifestyle. We also can assist you with other insurance needs, like SR-22 filings, non-owner policies, and what discounts you may be eligible for. 

Ready to get started? Call 602-922-3595 today, visit one of our many locations across Arizona, or get a free auto insurance quote online. Our experienced, Spanish-bilingual agents are here to help you explore your auto insurance needs.  

Disclaimer:   

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.