Arizona Car Accident Settlement Calculator
Estimate a car accident settlement under Arizona law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Arizona law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Arizona uses pure comparative fault.
A.R.S. § 12-2505·Source retrieved 2026-07-27
Ariz. Const. art. 2, § 31·Source retrieved 2026-07-27
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Arizona car insurance law: minimums, PIP and uninsured motorist coverage
What Arizona's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Arizona: Minimum liability coverage
“(a) For a policy that is issued or renewed on or before June 30, 2020 or for a policy that is issued to a person that has a valid certificate of self-insurance or partial self-insurance pursuant to section 28-4007: (i) $15,000 because of bodily injury to or death of one person in any one accident. (ii) Subject to the limit for one person, $30,000 because of bodily injury to or death of two or more persons in any one accident. (iii) $10,000 because of injury to or destruction of property of others in any one accident.”
“(b) For a policy that is issued or renewed beginning on July 1, 2020, except for a policy that is issued to a person that has a valid certificate of self-insurance or partial self-insurance pursuant to section 28-4007: (i) $25,000 because of bodily injury to or death of one person in any one accident. (ii) Subject to the limit for one person, $50,000 because of bodily injury to or death of two or more persons in any one accident. (iii) $15,000 because of injury to or destruction of property of others in any one accident.”
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Arizona: No-fault, personal injury protection and the right to sue
No personal injury protection requirement, and no limit on a suit for pain and suffering, was found in the provisions read for this page (A.R.S. §§ 28-4009 and 20-259.01).
Arizona: Uninsured and underinsured motorist coverage
“Every insurer writing automobile liability or motor vehicle liability policies shall make available to the named insured thereunder and by written notice offer the named insured and at the request of the named insured shall include within the policy uninsured motorist coverage that extends to and covers all persons insured under the policy, in limits not less than the liability limits for bodily injury or death contained within the policy. The offer of limits to a named insured or applicant shall be made on a form approved by the director.”
“Every insurer writing automobile liability or motor vehicle liability policies shall also make available to the named insured thereunder and shall by written notice offer the named insured and at the request of the named insured shall include within the policy underinsured motorist coverage […]”
The provision continues past the end of this quote, and the rest is not quoted here.
Arizona: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (A.R.S. §§ 28-4009 and 20-259.01).
What partial fault costs you in Arizona
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Arizona law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Arizona deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Arizona periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
A.R.S. § 12-542(1)·Source retrieved 2026-07-27
Open the personal injury calculatorA.R.S. § 12-542(1)·Source retrieved 2026-07-27
Open the medical malpractice calculatorA.R.S. § 12-542(2)·Source retrieved 2026-07-27
Open the wrongful death calculatorA.R.S. § 23-1061(A)·Source retrieved 2026-07-27
Open the workers compensation calculatorA.R.S. § 12-541(5); §§ 11-1020, 11-1025·Source retrieved 2026-07-27
Open the dog bite calculatorArizona against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 11 of the 51 jurisdictions we track apply the pure comparative negligence rule, and Arizona is one of them.
- Its 2 years to file is the same as the most common deadline in the country, which 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Arizona is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology