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 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 Get a Louisiana Driver's Permit
s licensing program. The first step in this program is to obtain...
Veteran and Military Driver Laws and Benefits in New Mexico
The state of New Mexico offers a number of benefits and perks for those Americans who have either served in an Armed Forces branch...


Related questions

Q: Hit a car and want to know the best way to go about this persons repair.

This would all depend on the extent of the damage caused by the accident. If the paint damages on a very large surface it would probably be best to go through the insurance company to make sure it gets repaired...

Q: What is "diminished value" as it refers to a totaled car?

Hi, thanks for writing in. The insurance company can use "diminished value" for a number of reasons. The overall condition of the vehicle not including the wreck, above average mileage, etc. I would ask them what criteria they are using...

Q: Advice on buying the first car

Unfortunately, I don't want to jinx you, but the first car people get is the first car they wreck. I would say get a nice, used Toyota. You pay less, your insurance will be a lot cheaper. As time goes...