Insurance in AZ

State-specific guides, common questions, and licensed agencies that cover AZ.

Arizona insurance regulator

Arizona Department of Insurance and Financial Institutions

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

File a complaint Look up an agent or company license

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

Minimum car insurance in Arizona

25/50/15

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person: $25,000
Bodily injury liability, per accident: $50,000
Property damage liability: $15,000
Personal injury protection (PIP): Not required
Uninsured motorist coverage: Insurers must offer it; you can reject it in writing

Insurers must offer UM and UIM by written notice. Buying it is optional.

Source: Arizona Revised Statutes 28-4009 Motor vehicle liability policy · A.R.S. § 28-4009; § 20-259.01 · In effect since Jul 1, 2020 · Reviewed Sep 13, 2026