Arizona insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Arizona. Updated Mar 31, 2026.
Department of Insurance
Arizona uses a 'Use and File' regulatory system where insurers may implement rates and then file them within 30 days. The state has experienced 12 consecutive years of workers' compensation rate decreases through 2026. The Arizona Department of Insurance and Financial Institutions (DIFI) regulates insurance and financial institutions with an emphasis on consumer protection and market stability.
Auto Insurance
Notable Laws
- A.R.S. § 28-4009: Establishes minimum liability limits of $25,000/$50,000/$15,000 for policies issued/renewed after July 1, 2020
- A.R.S. § 28-4135: Mandates civil penalty of minimum $500 for first violation of driving without insurance
- A.R.S. § 20-259.01: Requires uninsured/underinsured motorist coverage to be offered; insurers must obtain written rejection
- Uninsured Motorist Coverage: Must be offered at the same limits as bodily injury liability coverage unless rejected in writing
- SR-22 Requirement: Must be maintained for 3 years from end of revocation for alcohol/drug-related offenses
Homeowners Insurance
Notable Laws
- A.R.S. § 20-1652: Limits grounds for cancellation after 60 days; requires 30 days' notice to remedy premises conditions before nonrenewal
- A.R.S. § 20-2110: Prohibits adverse actions based on absence of credit history unless actuarially justified; restricts use of medical collections
- A.R.S. § 20-1652(F): Prohibits treating coverage inquiries as claims for underwriting purposes
- A.R.S. § 20-1632.01: Governs cancellation/nonrenewal procedures and notice requirements
- No FAIR Plan: Arizona is among states without a Fair Access to Insurance Requirements plan for high-risk properties
Recent Bulletins
Rescinding Regulatory Bulletin 2025-03 (INS): Service Contracts
Rescinds previous bulletin 2025-03 regarding service contracts to provide updated guidance on service contract requirements
View bulletinCoverage for Biomarker Testing
Reminds insurers of requirements under H.B. 2144 to cover biomarker testing for diagnosis, treatment, appropriate management or ongoing monitoring when medically necessary; effective since January 1, 2023
View bulletinShort Term, Limited Duration Insurance
Addresses federal rule changes limiting short-term health plans to 4 months maximum duration effective September 2024, with one-month renewal option
View bulletinRequest to Provide Insurance Customers Flexibility During Federal Government Shutdown
Requests insurers to provide flexibility to customers affected by federal government shutdown, including grace periods and waiving late fees
View bulletinRequest to Help Gila County Residents After Flooding
Requests insurers to assist policyholders affected by flooding in Gila County, including expedited claims processing and flexible payment terms
View bulletinRecent Law Changes
Health Insurance; Surprise Billing; Disputes
Amends existing requirements for health insurers to provide notice to enrollees regarding statutory right to dispute surprise out-of-network bills. Clarifies dispute resolution procedures and timeline for filing disputes (within one year of date of service).
Health insurance enrollees gain clearer rights to dispute surprise medical bills from out-of-network providers through streamlined DIFI dispute resolution process
Effective: 2025-09-26
DIFI; Financial Enterprises; Insurance
Comprehensive omnibus bill updating statutes related to the Department of Insurance and Financial Institutions, including licensing renewal dates, late fee rules, and various technical amendments to insurance laws.
Insurance licensees and financial enterprises must comply with updated licensing procedures, renewal deadlines, and revised regulatory requirements
Effective: 2025-09-26
Biomarker Testing Coverage
Requires health insurers to cover biomarker testing for purposes of diagnosis, treatment, appropriate management or ongoing monitoring when the testing has clinical utility supported by medical and scientific evidence.
Health insurers must cover medically necessary biomarker testing, improving access to precision medicine for cancer and other diseases
Effective: 2023-01-01
Workers' Compensation Death Benefits
Increases death benefit for burial expenses from $5,000 to $10,000 for workers' compensation claims where an employee dies from work-related injury.
Families of workers killed on the job receive double the burial expense benefit, from $5,000 to $10,000
Effective: 2025-09-26
Mental Health Parity and Addiction Equity Act Implementation
Requires health insurers to comply with federal Mental Health Parity and Addiction Equity Act, submit annual compliance reports to DIFI, and ensures equal coverage for mental health and substance use disorder services.
Health insurers must provide mental health and substance use disorder benefits at parity with medical/surgical benefits, with annual reporting requirements
Effective: 2020-08-25
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