Arizona
Arizona Minimum Car Insurance Requirements: What 25/50/15 Covers
The limits Arizona law requires, what they leave out, the penalties for driving uninsured and how to judge whether the minimum is enough.
Arizona
Arizona insurance, by the rules that apply here.
Instant Insurance Quotes is published from Phoenix. These guides explain the Arizona rules behind your car and home insurance, from the 25/50/15 minimum to monsoon claims, using only the state's own sources: the Arizona Department of Insurance and Financial Institutions (DIFI), ADOT's Motor Vehicle Division and the Arizona Revised Statutes.
12 Arizona guidesEvery fact linked to its sourceSources checked October 26, 2026
Illustration: Instant Insurance Quotes (original artwork). See image credits.
Arizona at a glance
Key Arizona insurance rules
Each line links to the guide that explains it and to the official source.
| Topic | Arizona rule | Source |
|---|---|---|
| Minimum auto liability | 25/50/15 for policies issued or renewed since July 1, 2020 Guide → | A.R.S. § 28-4009 |
| Uninsured / underinsured motorist | Optional, but insurers must offer it in writing; 25/50 minimum if bought Guide → | A.R.S. § 20-259.01 |
| Household exclusion | Permitted; can limit injured family members to 25/50/15 Guide → | DIFI |
| Not-at-fault accidents | No premium increase for an accident you didn't cause or significantly contribute to Guide → | A.R.S. § 20-263 |
| Auto cancellation | After 60 days, only for listed reasons; 10-day written objection to the Director Guide → | A.R.S. § 20-1631, § 20-1633 |
| Payment grace period | At least 7 days for any premium except the first Guide → | A.R.S. § 20-1632.01 |
| SR-22 | Generally kept three years from the suspension date Guide → | ADOT MVD |
| New residents | Register on becoming a resident; proof of Arizona insurance within 30 days of registration Guide → | ADOT MVD |
| Golf carts, mopeds, motorcycles | Liability insurance required on Arizona roads Guide → | ADOT MVD |
| Driving to Mexico | Buy liability insurance from a Mexican insurer before you cross Guide → | DIFI, U.S. Embassy |
| Moving trucks | Most personal auto policies give no coverage for a rented moving truck Guide → | DIFI |
| Home nonrenewal | At least 30 days' notice; 5 days for a mid-term cancellation Guide → | DIFI |
| Flood | Not covered by a standard homeowners policy Guide → | DIFI |
| Monsoon season | June 15 – September 30 Guide → | National Weather Service |
Driving in Arizona
Arizona auto insurance guides
Arizona
The Arizona Household Exclusion: Why Your Family May Get Only 25/50
How the intra-family exclusion caps coverage for injured household members, who it affects and the questions to ask before you buy.
Arizona
Uninsured and Underinsured Motorist Coverage in Arizona
Arizona requires insurers to offer UM and UIM in writing. What each pays, the 25/50 floor, and how to read the choice on your declarations page.
Arizona
Not-at-Fault Accidents in Arizona: Your Rate, Deductible and Repair Rights
Arizona bars premium increases for accidents you didn't cause. How the rule works, recovering your deductible, repair shops and total-loss settlements.
Arizona
Arizona Car Insurance Cancellation Rules: Reasons, Notices and the 10-Day Objection
When an Arizona insurer may cancel or nonrenew, how much notice it owes you, the grace period and how to object to the Director.
Arizona
SR-22 in Arizona: What It Is, Who Needs One and How Long It Lasts
ADOT's rules for the SR-22 certificate: who files it, the usual three-year period, non-owner options and how to avoid a second suspension.
Arizona
Moving to Arizona: Car Insurance and Proof-of-Insurance Rules for New Residents
When you become an Arizona resident, why your old policy won't work for an Arizona registration, and the 30-day proof-of-insurance window.
Arizona
Driving to Mexico From Arizona: The Insurance and Permits You Need
Why your Arizona policy doesn't satisfy Mexican law, what to buy before crossing, and the permits the U.S. Embassy lists for drivers.
Arizona
Moving Trucks, Rental Cars and Borrowed Cars: What Arizona Auto Policies Cover
DIFI warns most personal policies don't cover rented moving trucks. How rentals, borrowed cars and trailers are treated, and what to check first.
Arizona
Golf Cart, Moped and Motorcycle Insurance in Arizona
ADOT says golf carts, mopeds and motorcycles on Arizona roads need liability insurance. The legal definitions, registration exemptions and how to insure each.
Your Arizona home
Arizona home and storm guides
Arizona
Monsoon, Haboob and Hail Damage in Arizona: Which Insurance Pays
Which policy usually responds to hail, wind, falling trees, dust-storm crashes and flooding, plus the claim steps DIFI recommends.
Arizona
Arizona Homeowners Insurance Rules Every Owner Should Know
Use-and-file rates, 5-day cancellation and 30-day nonrenewal notices, the curable-condition rule, the dog-breed law and common coverage gaps.
Free calculators
Check your own numbers.
Three browser-based tools built for the decisions these guides cover. Nothing you type is sent to us or to any partner.
- Liability limit checker: your limits vs. Arizona's minimum and your assets
- Deductible break-even calculator: is a higher deductible worth it?
- Contents value estimator: what your belongings would cost to replace
Ready to compare?
Arizona auto and home quotes
Read the guides first so you know which limits and deductibles to ask for. Sponsored partners below are independent companies; prices and eligibility are set by them.
Auto insurance: sponsored quote partners
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Homeowners insurance: sponsored quote partners
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About these guides
Questions about Arizona insurance
What car insurance is required in Arizona?
Liability coverage of at least 25/50/15 on every vehicle driven on Arizona roads, from an insurer licensed to do business in Arizona. Uninsured and underinsured motorist coverage must be offered but is optional.
Who regulates insurance in Arizona?
The Arizona Department of Insurance and Financial Institutions (DIFI). It takes consumer complaints at difi.az.gov/file-complaint or (602) 364-3100.
How can I check if an Arizona insurer or agent is licensed?
Use DIFI's license search at difi.az.gov/license-search.
Are these guides reviewed by a licensed agent?
No. They are written and edited by K.R. from the official sources linked on each page. Confirm details for your situation with a licensed professional or your insurer.
General educational information, not legal or insurance advice. Written and edited by K.R.; not reviewed by a licensed insurance agent. See our editorial policy and report a correction.