September 11, 2026 | Arizona Law
Arizona drivers must carry at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $15,000 in property damage liability coverage. These limits, commonly called 25/50/15 coverage, apply to most Arizona auto policies issued or renewed since July 1, 2020. A.R.S. § 28-4009 sets these minimum requirements.
For Scottsdale drivers, meeting the minimum keeps a policy compliant with Arizona law, but minimum coverage may not be enough to pay for all losses after a serious collision.
What Are Arizona’s Minimum Liability Insurance Requirements?
Arizona law requires drivers to maintain liability insurance with minimum limits of 25/50/15.
The minimum limits come from A.R.S. § 28-4009 and are:
- $25,000 for bodily injury or death to one person in one accident
- $50,000 for bodily injury or death to two or more people in one accident
- $15,000 for damage to another person’s property in one accident
Liability insurance pays covered losses suffered by other people when the insured driver is legally responsible for a crash. For example, if a Scottsdale driver causes a crash that seriously injures one person, the driver’s minimum policy provides no more than $25,000 in bodily injury liability coverage for that individual. If several people are injured, the policy’s total bodily injury limit is $50,000 for the accident.
The $15,000 property damage limit applies separately to covered damage to other people’s property.
How Does Insurance Coverage Affect a Personal Injury Claim in Arizona?
Insurance coverage can affect how much compensation may be available after an Arizona accident. The at-fault driver’s liability policy may cover medical expenses, lost income, property damage, and other losses up to the policy limits. If the driver’s coverage is insufficient, other insurance policies may help pay for covered damages.
Depending on the circumstances, potentially applicable coverage may include:
- The at-fault driver’s bodily injury liability insurance
- Your uninsured motorist coverage if the at-fault driver had no insurance
- Your underinsured motorist coverage if the at-fault driver’s limits were too low
- Medical payments coverage, if included in your policy
- Commercial, employer, rideshare, or other liability coverage connected to the accident
Arizona insurers must offer uninsured and underinsured motorist coverage, although policyholders may reject or select those coverages in accordance with Arizona law. A.R.S. § 20-259.01 governs these options.
Is Arizona’s Minimum Car Insurance Coverage Enough After a Serious Crash?
Arizona’s minimum insurance limits satisfy the state’s basic liability requirements, but they can fall short of the losses caused by a severe accident. A hospital stay, surgery, rehabilitation, lost income, and other damages can quickly exceed $25,000 in bodily injury coverage.
Insurance-limit issues frequently affect Arizona car accident claims. At KRLG Injury Lawyers, our attorneys have over 100 years of combined experience and have recovered over $250 million for injured clients, including a $1.25 million auto accident result. Founding partner Austin Kurtz is licensed to practice in Arizona, California, and Colorado and handles significant personal injury matters from intake through trial.
After a crash, identifying every available liability, UM, UIM, or other applicable source of coverage can be an important part of evaluating a claim.
What Happens if You Are Hit by an Uninsured Driver in Scottsdale?
If you find yourself in this unfortunate situation, one potential source of compensation is your own auto insurance policy if you have Uninsured Motorist (UM) coverage. This coverage is designed precisely for scenarios like this, acting as a safety net when the at-fault driver lacks the necessary insurance to cover your damages.
Driving without the required financial responsibility can result in civil penalties and restrictions or suspension of driving privileges in Arizona. A first violation carries a minimum $500 civil penalty and can result in a three-month suspension or restriction of driving privileges. Penalties increase for repeat violations within 36 months.
Frequently Asked Questions
Why Are Arizona’s Minimum Insurance Limits Often Not Enough?
Arizona’s minimum liability limits may not cover all losses after a serious crash. Medical bills, lost income, property damage, and other costs can quickly exceed the coverage available under a minimum-limit policy.
Is Arizona a No-Fault Car Insurance State?
No. Arizona follows an at-fault liability system, meaning the party responsible for a collision can be liable for resulting damages.
What Does Arizona Require as Proof of Insurance?
Arizona requires a driver to have evidence of current financial responsibility available in the vehicle. Proof may be displayed electronically on a wireless device or in paper form and typically includes the name of the insurance company, the policy number, the effective dates, and the coverage limits.
Contact the Scottsdale Car Accident Lawyers at KRLG Injury Lawyers for a Free Consultation Today
Minimum insurance limits do not always provide enough coverage after a serious Scottsdale, Arizona, car accident. If you were injured because of another driver’s negligence, KRLG Injury Lawyers can review the circumstances of the crash and the insurance coverage that may apply.
For more information, please contact the personal injury attorneys at KRLG Injury Lawyers at our nearest location to schedule a free consultation today.
We serve Scottsdale, Phoenix, Maricopa County, & Arizona’s surrounding areas.
KRLG Injury Lawyers
7702 E Doubletree Ranch Rd #150, Scottsdale, AZ 85258
(623) 303-5754
