Insurance Requirements for Car Registration in Arizona

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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.


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Eladio

8 years of experience
127 reviews
Eladio
8 years of experience
Honda Civic - Brake Pads Replacement (Rear) - Greensboro, North Carolina
Eladio arrived at the scheduled time and was great to work with. He was very professional and I am very satisfied with his work. This was my first time using YourMechanic and I am very pleased with how easy and convenient this service has been from start to finish. Definitely would recommend.
Nissan Altima - Brake Pads Replacement (Front) - Greensboro, North Carolina
Eladio was on time, expedient, and very professional. Very pleased with provided service (brake shoes replacement).

Willie

22 years of experience
7 reviews
Willie
22 years of experience
Dodge Avenger - Brake Pads Replacement (Front) - Long Beach, California
Willie is an amazing mechanic and person. He was very professional, helpful, knowledgeable and personable. I really appreciated all of his help!!

Richard

15 years of experience
52 reviews
Richard
15 years of experience
Mercedes-Benz C300 - Brake Pads Replacement (Front, Rear) - Pleasanton, California
Richard is very knowledgeable , he was prompt on arrival, change out of pads on my 2014 C300, was well done, and clean up was great. I would highly recommend Richard.

Simon

25 years of experience
16 reviews
Simon
25 years of experience
Infiniti G37 - Brake Pads Replacement (Front, Rear) - Upper Marlboro, Maryland
Simons was GREAT! Very easy to talk to and very knowledgeable on car repair. I hope to use him again very soon.

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