Is Arizona a no-fault state?
No. Arizona is an at-fault state. The driver who is legally responsible for the crash pays, usually through their liability insurance.
Last checked November 9, 2026 · Official sources (4)
How does Arizona car insurance work?
“Bodily injury coverage pays for bodily injury to others for which you become legally responsible due to an auto accident in which you were involved.”
Arizona Department of Insurance and Financial Institutions
What is Arizona's minimum car insurance?
| Coverage | What Arizona requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $15,000 |
| Uninsured motorist | Uninsured and underinsured motorist coverage is optional. If you choose it, the lowest limit is 25/50. |
Other at-fault states
Questions
How much insurance does Arizona require?
$25,000 for one person and $50,000 for two or more people hurt or killed, plus $15,000 for property damage (25/50/15).
What if you were partly at fault in Arizona?
If you were partly at fault, you can still recover, but your money is reduced by your share of the fault.
Hurt in a crash in Arizona? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Arizona Department of Insurance and Financial Institutions, checked 2026-11-09. “Bodily injury coverage pays for bodily injury to others for which you become legally responsible due to an auto accident in which you were involved.”
- Arizona Department of Insurance and Financial Institutions, checked 2026-11-09. “The minimum coverage limits in Arizona are 25/50/15:”
- Arizona Department of Insurance and Financial Institutions, checked 2026-11-09. “If you elect to have Uninsured (UM) or Underinsured (UIM) Motorist coverage, 25/50 is the minimum amount you can have on your policy.”
- Arizona Revised Statutes § 12-2505 (Arizona Legislature), checked 2026-11-09. “If the jury applies either defense, the claimant's action is not barred, but the full damages shall be reduced in proportion to the relative degree of the claimant's fault”