25/50/15 is the least auto liability Arizona lets you drive on. The state set it on July 1, 2020, raising it from 15/30/10, and those three numbers mean $25,000 for injuries to one person, $50,000 for everyone hurt in one accident, and $15,000 for the property you damage.
Put them next to what's on the road. A new truck in Prescott runs well over $50,000, and your $15,000 of property damage coverage pays for a fraction of it. Hit that truck with two people inside and the floor gives way before the tow truck leaves the scene.
Anything above your limits follows you personally. Arizona can garnish up to 10 percent of your disposable earnings to satisfy a judgment. Under Prop 209, the homestead exemption protects the first $400,000 of equity in your home, a figure the statute raises for inflation every January, and every dollar above that line is exposed. Plenty of houses in Prescott, Prescott Valley, and Chino Valley clear it.
The minimum is a legal line, and it was never meant to carry someone who owns a house, earns a paycheck, and has people counting on both.
The limits that fit you are the ones that match what a judgment could reach. That's your equity above the exemption and 10 percent of every paycheck for as long as it takes. Carriers let us write auto liability up to $500,000 per person, $500,000 per accident, and $500,000 in property damage, and an umbrella can sit above that. What it costs depends on your record, your vehicles, and where you park them, and we'll lay it out next to what you carry today so you can see exactly what changes.
Bring your auto declarations page and find the three numbers separated by slashes. Call (928) 499-6644 or come by 1781 AZ-69 Ste #3, Prescott, AZ 86301, and we'll tell you what those numbers cover and what they leave to you.
Source: A.R.S. § 28-4009, minimum motor vehicle liability limits
Source: A.R.S. § 33-1131, ten percent cap on garnished disposable earnings
Source: A.R.S. § 33-1101, homestead exemption and its annual adjustment
More on Auto insurance in Arizona.