What changed in Arizona
Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inArizona, when, and where to verify it.
Every state we cover, in one feed: what changed across the country · RSS
July 1, 2020
Minimum coverageMinimum liability limits raised from 15/30/10 to 25/50/15
For policies issued or renewed on or after July 1, 2020, A.R.S. § 28-4009 requires $25,000 bodily injury per person, $50,000 per accident and $15,000 property damage, up from $15,000/$30,000/$10,000. The old limits now apply only to self-insurers. Guides that still quote 15/30/10 are out of date.
Arizona Revised Statutes § 28-4009
What this list does and does not cover
Recorded here: changes to the rules this site tracks for Arizona — liability minimums, SR-22 and proof-of-insurance requirements, penalties for driving uninsured, the fault system, what a lapse costs, new-resident deadlines and crash reporting. Each entry names the session law or statute that made the change and the date it took effect, not the date it was signed.
Not recorded: rate filings, individual insurer decisions, court rulings that do not change the text of the law, and changes to rules outside those seven subjects. A short list does not mean a quiet legislature — it means little moved in the parts of Arizona law a driver has to comply with.
A change that has passed but has not yet taken effect is not shown as current anywhere on this site. It sits on the Arizona pages as a dated pending value and replaces the current figure on the morning it comes into force. You can see every pending change across the country at the top of the national change feed, and the sources behind the Arizona figures on its statute index.