admin You’ll need an Arizona policy to register your car. Here’s what the law requires, what locals actually carry, and how insurance works for Arizona homes.
Updated October 2026. Rules and fees change; confirm with the official source linked in each section.
The legal minimum: 25/50/15
| Coverage | Arizona minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per accident | $50,000 |
| Property damage | $15,000 |
Source: Arizona Department of Insurance and Financial Institutions. $15,000 of property damage doesn’t go far when the average new car costs far more. Most agents recommend much higher limits.
Coverages that matter in Arizona
- Uninsured / underinsured motorist. Plenty of drivers carry only the minimum, or nothing. Insurers must offer UM/UIM; it’s worth accepting.
- Comprehensive with full glass. Freeway rocks crack windshields constantly. Many Arizona policies offer zero-deductible glass.
- Comprehensive also covers monsoon hail, flood and wind damage.
- Roadside assistance. A breakdown on a 115°F day is a safety issue, not an inconvenience.
Arizona is an at-fault state
The at-fault driver’s insurance pays. A dash cam helps; always exchange information and take photos.
Homeowners & renters insurance
- Flood isn’t covered by standard homeowners policies. Monsoon flooding happens outside mapped flood zones too, and flood coverage is often inexpensive there.
- Condos and townhomes: the HOA master policy usually covers the structure, not your interior, belongings or liability. You need an HO-6 policy.
- Pools raise liability exposure; consider an umbrella policy.
- Solar panels: if leased, the company may insure them; if owned, make sure your policy covers them.
- CLUE report: when buying, ask for the home’s insurance-claims history; it can affect your premium.
Shopping tips
- Get quotes from at least three carriers, including a local independent agent
- Bundle auto + home
- Ask about garage-parking, telematics, good-student and military discounts
- Get homeowners quotes during your inspection period, before you’re locked in
Next: Register your car or learn how buying works in Arizona.
Ready to Buy a Home in Arizona?
Get a local buyer’s agent who knows the Valley street by street, from HOA fine print to which roads flood in monsoon season. Free to start, no pressure.
- Custom home search set up the same day
- Intro to Arizona lenders for pre-approval
- Live video tours if you’re still out of state
- Negotiation on price, repairs & closing costs
Craig Citizen, REALTOR® · West USA Realty · Free, no obligation