Insurance requirement guides for Arizona.
$25,000 / $50,000 / $15,000
Bodily injury per person / per accident / property damage, written 25/50/15
Set by A.R.S. § 28-4009. Read off the statute on , and the figure every Arizona guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Arizona has no state boat insurance mandate, but Lake Havasu marinas commonly require liability cover and National Park Service concessionaires at Lake Powell require documented coverage from slip holders and houseboat renters.
Arizona requires 25/50/15 liability on all motorcycles — limits raised in 2020 from the old 15/30/10. Learn state minimums, monsoon riding risks, MVD enforcement, and why year-round riding makes comprehensive coverage essential.
Most states attach no insurance rule to small unlicensed jobs, but Utah requires liability insurance above $3,000. Unlicensed limits by state: $1,000 in CA, AZ, NV and OR, $2,500 in FL, $7,000 in UT.
Texas, Ohio and Florida make liability insurance an HVAC license condition; California requires a $25,000 bond instead; Georgia's cities may not impose insurance at all. The state-by-state rules.
Arizona requires 25/50/15 minimum liability coverage. Learn state requirements, electronic verification, penalties, and recommended coverage levels.
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Every guide on this page covers a Arizona requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Arizona guide on this site is checked against that same figure. The regulators linked above are where Arizona publishes the rules, so they are the place to confirm anything before you rely on it.
