Arizona car insurance minimums, and what happens when they are not enough
Every driver in Arizona must carry at least $25,000 per person / $50,000 per accident for injuries, and $15,000 for property damage.
The required minimums
The per-person figure ($25,000) is the most the at-fault driver’s insurer will pay for any one injured person under a minimum policy. The per-accident figure ($50,000) is the most it pays for everyone hurt in the crash combined.
These minimums took effect July 1, 2020, replacing $15,000 / $30,000 / $10,000.
Source: Ariz. Rev. Stat. § 28-4009
Why the policy limit often sets the ceiling
A hospital stay, surgery or months of therapy can exceed $25,000 quickly. Once a claim is worth more than the at-fault driver’s limit, the insurer will not pay beyond it, and collecting the rest from the driver personally is rarely practical.
That is why finding every policy that applies matters: the at-fault driver’s own policy, an employer’s policy if they were working, a vehicle owner’s policy if they were driving someone else’s car, and your own uninsured/underinsured motorist coverage.
Your own coverage
Insurers must offer uninsured and underinsured motorist coverage in writing; a policyholder can reject it.
Source: Ariz. Rev. Stat. § 20-259.01
Frequently asked questions
What is the minimum car insurance in Arizona?
$25,000 per person / $50,000 per accident for injuries, and $15,000 for property damage (Ariz. Rev. Stat. § 28-4009).
What if my injuries cost more than the other driver’s policy?
Look to your own underinsured motorist coverage, and to any other policy that covers the at-fault driver or vehicle. Insurers must offer uninsured and underinsured motorist coverage in writing; a policyholder can reject it.
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This page is general information about Arizona law, reviewed September 2026. It is not legal advice, laws change, and the right answer for your claim depends on its facts. CaseChecker.ai is not a law firm; it connects people with independent attorneys licensed in their state.