Arizona Insurance Requirements & Rates

Arizona requires minimum liability coverage of 25/50/15 (bodily injury per person / per accident / property damage). Arizona is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is not required but recommended.

Arizona homeowners face risks from wildfires, dust storms, extreme heat, flash flooding. The flood risk level is low and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $2,335.

Arizona requires riders under 18 to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is year-round.

Yes, workers' compensation insurance is required in Arizona. Sole proprietors and partners may opt out. Arizona has approximately 650,000 small businesses, with top industries including Technology, Healthcare, Tourism.

Yes, Arizona has expanded Medicaid. The state uses the federal marketplace at healthcare.gov. The uninsured rate is 10%.

Yes, landlords in Arizona can require tenants to carry renters insurance as a condition of the lease. About 35% of Arizona residents are renters, with average monthly rent of $1,300.

With a median household income of $65,913, most Arizona families should consider 10-12x their annual income in life insurance coverage. Currently, 49% of Arizona households have life insurance.