Arizona Auto Insurance Guide for First-Time Buyers
Arizona requires 25/50/15 liability coverage and is an at-fault state.
Free to compare
Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15½
Minimum learner's permit age, 30 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Arizona operates as a tort state, meaning the at-fault driver is financially responsible for damages in an accident. You must carry proof of insurance at all times and present it during traffic stops or after collisions. Arizona enforces compliance through the Motor Vehicle Division's insurance database — insurers report policy lapses directly to the state, triggering automatic license suspension.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Medical Payments Coverage (MedPay)
Cost Overview
$343/mo
Typical monthly rate in Arizona, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
midnight-5am (secondary)
Passengers
no more than 1 passenger younger than 18 for first 6 months (secondary)
Source: IIHS and AZ MVD, verified July 2026
Frequently Asked Questions
Can I stay on my parents' car insurance in Arizona?
You can remain on your parents' policy as long as you live in their household or are a full-time student under age 25, even if you attend college out of state. This is almost always cheaper than buying your own policy — family policies share the base premium, and you benefit from your parents' established driving history. Once you move out permanently or turn 26, you must purchase your own coverage.
Coverage Types
Liability Insurance
The foundation of your policy — pays for injuries and property damage you cause to others. Your premium reflects your bodily injury limit (covers medical bills and lawsuits) and property damage limit (covers vehicle and property repair costs).
Full Coverage
Industry term for a policy combining liability, collision, and comprehensive coverage — protects both your legal obligation to others and your own vehicle. Essential if you're financing a car, as lenders require it until the loan is paid off.
Comprehensive Coverage
Pays to repair or replace your vehicle after non-collision events like theft, vandalism, hail, flood, or animal strikes. You choose a deductible (the amount you pay before insurance kicks in), typically $250–$1,000.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene. Arizona insurers must offer this coverage, but you can decline it in writing if you choose to accept the risk.
Collision Coverage
Pays to repair your vehicle after a crash with another car or object, regardless of who was at fault. You select a deductible amount that balances your monthly premium against out-of-pocket costs after an accident.
SR-22 Insurance
Not a separate coverage type but a certificate your insurer files with the Arizona MVD proving you carry minimum liability insurance. Required after certain violations like DUI, driving without insurance, or excessive points on your license.