Arizona car insurance: minimums, SR-22 rules and costs

Last updated: November 12, 2026

Arizona drivers must carry at least $25,000/$50,000 of bodily injury liability and $15,000 of property damage liability. In 2023, insured drivers in Arizona spent an average of $1,343.85 on car insurance, 5% above the national average of $1,281.60, according to the National Association of Insurance Commissioners (NAIC). That makes Arizona the 16th most expensive of the 50 states and D.C. by that measure.

Minimum car insurance required in Arizona

Coverage	Minimum
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability, per accident	$15,000

You'll often see this written as 25/50/15. The first two numbers are the bodily injury limits in thousands of dollars (per person and per accident), and the last is property damage. Those amounts are the most the policy pays for injuries and damage you cause to others. Anything above them can come back to you personally.

Is Arizona a no-fault state?

No. Arizona isn't one of the 12 no-fault states listed by the Insurance Information Institute, so the driver who causes a crash, and their insurer, is generally responsible for the other people's injuries and damage. That's why the liability limits above matter so much.

SR-22 rules in Arizona

Arizona calls it Future Financial Responsibility (SR-22). The Arizona Department of Transportation's Motor Vehicle Division requires it after alcohol- or drug-related revocations, court-ordered DUI suspensions, implied-consent suspensions for refusing a test, certain insurance law violations and unpaid judgments.

According to ADOT, you generally keep it for three years from the end date of a DUI-related revocation or suspension, or for three years from the date you become eligible for reinstatement after an insurance violation. For an unpaid judgment, it lasts for the term of the judgment plus two full years after it's satisfied.

What drives car insurance costs in Arizona

Average spending in Arizona rose 26% from 2019 to 2023, compared with 19% nationwide. Here's average annual spending per insured vehicle, from the NAIC:

Year	Arizona average	U.S. average
2019	$1,065.01	$1,075.08
2020	$1,043.21	$1,047.76
2021	$1,070.03	$1,060.23
2022	$1,154.50	$1,124.45
2023	$1,343.85	$1,281.60

The NAIC's "average expenditure" is total written premium divided by insured vehicles. It isn't a quote, and your own price depends on your driver profile and the coverage you choose.

Uninsured drivers. An estimated 10.6% of drivers in Arizona were uninsured in 2023, lower than the national estimate of 15.4%. That's the 15th lowest rate among the 50 states and D.C. When more drivers are uninsured, insured drivers' own uninsured motorist coverage pays more claims, which pushes up its price.
Crash deaths. Arizona recorded 1,229 motor vehicle crash deaths in 2024, or 1.74 per 100 million miles driven, higher than the U.S. rate of 1.19 (the 2nd highest of the 50 states and D.C.). Severe crashes drive up bodily injury claim costs.
Where and how crashes happen. In 2024, 30% of Arizona's crash deaths happened in rural areas (U.S.: 41%), 36% involved speeding (U.S.: 29%), and 20% of those killed were pedestrians (U.S.: 18%).

Ways to save on car insurance in Arizona

Compare at least three quotes. Insurers weigh the same facts differently, so prices for the same driver in Arizona can vary widely. More ways to lower your bill.
Check your uninsured motorist limits anyway. Even at 10.6%, uninsured and underinsured drivers are common, and UM coverage is usually inexpensive. How UM coverage works.
Shop at every renewal. Prices in Arizona rose faster than the national average from 2019 to 2023, so a renewal increase is a good reason to compare.
Pick a deductible you can actually pay. Raising it lowers your premium, but only if you could cover it after a claim. How deductibles work.
Ask about discounts. Common ones include safe driver, multi-car, bundling, paying in full, good student and usage-based programs. They're not always applied automatically.

See other states in our car insurance guides by state.

Sources

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DriveCheaper may be paid by companies shown on this site. How we make money. This page is general information, not insurance or legal advice. Laws and prices change, so confirm details with your insurer or your state's insurance department or DMV.