Car insurance in Arizona (25/50/15)
- Minimum car insuranceSince July 1, 2020, Arizona has required at least $25,000 bodily injury liability per person, $50,000 per accident and $15,000 property damage liability. PIP is not required. Insurers must offer uninsured and underinsured motorist coverage in writing, but buying it is optional. Source
- Fault systemArizona is an at-fault (tort) state: the driver who causes a crash is responsible for the resulting injuries and damage, usually through their liability insurance. Source
Business insurance rules in Arizona
- Workers’ compensationAll Arizona employers with one or more full- or part-time employees must carry workers' comp, and that includes LLCs and corporations whose officers are employees. Coverage comes from private insurers or self-insurance, not a state fund. Failing to carry it is a Class 6 felony. Source
- Contractor licensingThe Arizona Registrar of Contractors licenses contractors and requires a license bond, with the amount set by license classification and expected annual volume. Apart from workers' comp, the Registrar does not require contractors to carry liability insurance to be licensed. Source
Disasters, floods, hail, tornadoes and earthquakes in Arizona
| Measure | Arizona | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 21 | #35 (tied) of 51 | Most often for severe storm (12), flood (5), fire (3). Coconino County has been in 5 of them. |
| National Flood Insurance Program claims, 2005–2025 | 1,826 | #44 of 51 | $38.1 million paid; 45% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 21% | #29 of 50 | 12,298 policies for 57,819 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 351 | #35 of 51 | 9 of them 2 inches or larger. Largest stone 2.75 inches, Navajo County, September 2018. |
| Tornadoes, 2016–2025 | 58 | #33 of 51 | 0 rated EF2 or stronger; 303 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 7 | #16 of 51 | Largest: magnitude 5.3, 13 km SW of Franklin, Arizona, June 29, 2014. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Arizona.
Arizona’s insurance regulator
Insurance in Arizona is regulated by the Arizona Department of Insurance and Financial Institutions, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Arizona (NPN 21022298), so requests from Arizona are handled by him directly.
Common questions
What is the minimum car insurance in Arizona?
Since July 1, 2020, Arizona has required at least $25,000 bodily injury liability per person, $50,000 per accident and $15,000 property damage liability. PIP is not required. Insurers must offer uninsured and underinsured motorist coverage in writing, but buying it is optional.
Is Arizona a no-fault state?
Arizona is an at-fault (tort) state: the driver who causes a crash is responsible for the resulting injuries and damage, usually through their liability insurance.
Do employers in Arizona need workers’ comp?
All Arizona employers with one or more full- or part-time employees must carry workers' comp, and that includes LLCs and corporations whose officers are employees. Coverage comes from private insurers or self-insurance, not a state fund. Failing to carry it is a Class 6 felony.
Sources
- Arizona: Minimum car insurance
- Arizona: Fault system
- Arizona: Workers’ compensation
- Arizona: Contractor licensing
- Arizona: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.