Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Arizona

Insurance Requirements for Car Registration in Arizona

The state of Arizona requires that every driver carry automotive insurance, or “financial responsibility,” in order to operate a vehicle legally on Arizona roadways. This law applies to any vehicle that is operated on public roadways, including items like golf carts, mopeds, and motorcycle.

The minimum financial responsibility requirements for private individuals under Arizona law is as follows:

  • A minimum of $15,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $30,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $10,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $40,000 for both bodily injury and property damage liability.

Proof of insurance

Any private individual who is driving a vehicle on Arizona roadways must carry proof of insurance, and must provide it to any law enforcement officer upon request. Proof of insurance is also required in order to register a vehicle with the DMV.

Acceptable documents to prove insurance include:

  • A certificate of insurance, such as a card from an authorized insurance provider

  • A certificate of deposit in the amount of $40,000, the minimum insurance amount required for the state of Arizona

  • An SR-22 document, which verifies that you have insurance, and is usually only required of drivers who have previously had their licenses suspended for reckless driving or DUI charges.

Arizona does require insurance providers to submit customer information to a database. If you do not have insurance on file, you may receive a notice from the state, requiring you to acquire insurance within 30 days. Failure to do so can result in a suspension of your registration.

Violation penalties

If you fail to produce proof of insurance when requested by a law enforcement officer during a traffic stop or at the scene of an accident, you could be facing several types of penalties:

  • A $500 fine for the first instance, and a suspension of your driver’s license and registration for up to three months.

  • A $750 fine for the second instance within three years, and a suspension of your driver’s license and registration for up to six months.

  • A $1,000 fine for the third violation within three years, and a suspension of your driver’s license and registration for a full year.

In order to clear a registration suspension, you must provide a current proof of insurance, and pay a $50 reinstatement fee.

De-insurance

Arizona does allow a provision for cars that are not currently being driven, for remodeling or storage purposes. You can apply for a “de-insurance” certificate that shows that you have temporarily dropped insurance until your vehicle is ready to drive again.

A vehicle that has been certified as de-insured will not be suspended unless it is driven before proof of insurance is submitted again.

For more information, contact the Arizona Motor Vehicle Services through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How Long Does a Throttle Return Spring Last?
Not all vehicles on the road feature an electronic throttle control (ETC), which is also called drive-by-wire. For vehicles that don't offer this system, they have a throttle cable instead that...
How to Find the Keyless Code on a Ford Explorer or Mercury Mountaineer
Many Ford Explorers and Mercury Mountaineers were manufactured with an option known as the Ford keyless entry keypad. Some models refer to it as SecuriCode as well. It...
How to Buy Fuel Treatments
Adding a fuel additive to your gas tank when you fill up is one way to clean vital engine parts of deposits, improve the performance of your engine,...


Related questions

Q: Can an accident cause the alignment to be off and the front left strut to leak even when only the body was damaged visually?

If the speed at time of impact was over 10 MPH and you jumped the curb, the alignment can easily be disturbed not to mention the possibility, indeed likelihood if the speed was high enough, of damage to the unibody...

Q: Is it Legal to Drive With a Damaged or Missing Mirror?

According to the California Vehicle Code, Section 26709, every motor vehicle that is subject to registration in the state of California, except motorcycles, must have two mirrors that reflect to the driver a view of the highway for a distance...

Q: Do I need gap insurance?

Gap insurance is designed to cover the difference between what is owed on the vehicle (your car loan) and what the insurance company may pay out in the event of an accident or loss. Any example might be a situation...