Arizona Car Insurance Requirements (2024)
Explore the best deals on affordable car insurance quotes in Arizona today. Protect your vehicle and comply with state regulations with comprehensive coverage options. Compare quotes from top insurance providers and find the policy that fits your needs and budget. Get peace of mind on the road with secure and affordable car insurance.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
Licensed Insurance Agent
UPDATED: Oct 20, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Discover the ins and outs of Arizona car insurance regulations and the required coverage in this informative guide. From understanding the minimum liability requirements to exploring additional coverage options like uninsured/underinsured coverage, comprehensive, and collision coverage, we’ve got you covered.
Learn about the importance of maintaining proof of insurance and financial responsibility, and the potential penalties for non-compliance. Take control of your car insurance by entering your ZIP code and comparing rates from the best insurance providers. Get the coverage you need to drive confidently and protect yourself on the road.
Required Coverage
All personal vehicles in Arizona require the following liability coverage requirements:
- Bodily Injury
- Property Damage
| Minimum Arizona Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $15,000 / $30,000 Limit | ||
| Property Damage Liability | $10,000 Limit | ||
Additional insurance coverage can include:
- Uninsured / Underinsured Coverage
- Comprehensive and Collision Coverage
Uninsured or Underinsured insurance coverage can assist in paying expenses resulting from an accident in which are not at fault but the person who is does not have any or enough coverage to pay for the damages.
Comprehensive coverage pays, after the deductible, for any non-collision related incident. This can include your car being broken into or fire damage. Collision, also after the deductible, pays for repairs and replacement of your car after being involved in an accident. We created a list of the most stolen vehicles in Arizona. Even if your car isn’t listed, comprehensive insurance can keep you protected.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- Self Insurance – qualified individuals/companies must own at least 10 vehicles
De-insurance – De-insuring your Vehicle
Drivers in Arizona can temporarily uninsure their vehicle if your vehicle will not be or can not be driven on public roads. To de-insure your vehicle, fill out the online de-insured certificate on the Arizona DOT website.
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Copy of Insurance Policy or Binder
- Certificate of self insurance
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- After an accident
- Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance when asked, you can face one of the following penalties:
- Fines ranging between a few hundred dollars to over a thousand dollars plus additional fees just for your first offense and increase for 2nd and 3rd offenses
- Driver’s license and plate suspension of 3 months (1st offense), 6 months (2nd offense) and 1 year (3rd offense)
- Requirement to submit an SR-22 form and pay reinstatement fees for the next 3 years
Arizona Insurance Agents
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Frequently Asked Questions
What is the minimum car insurance coverage required in Arizona?
In Arizona, drivers are required to have liability insurance coverage with a minimum limit of $15,000 for bodily injury or death to one person, $30,000 for bodily injury or death to two or more persons, and $10,000 for property damage.
Can I drive without car insurance in Arizona?
No, it is illegal to drive without car insurance in Arizona. If you are caught driving without insurance, you may face penalties such as fines, suspension of your driver’s license, and even impounding of your vehicle.
What does liability insurance cover in Arizona?
Liability insurance covers the costs of damages or injuries that you may cause to other people or their property while driving your car. It does not cover your own medical expenses or damages to your own vehicle.
What other types of car insurance are available in Arizona?
In addition to liability insurance, you can also purchase collision insurance to cover damages to your own vehicle in the event of an accident, comprehensive insurance to cover non-accident-related damages such as theft or natural disasters, and uninsured/underinsured motorist coverage to protect you in case you are hit by a driver who does not have insurance or has insufficient coverage.
How much car insurance should I buy in Arizona?
The amount of car insurance you should buy depends on your individual needs and budget. However, it’s generally recommended to purchase more than the minimum liability coverage required by law to ensure adequate protection in case of an accident.
Do I need to carry proof of insurance in my car in Arizona?
Yes, you are required to carry proof of insurance with you while driving in Arizona. If you are pulled over by law enforcement, you will need to show proof of insurance. You can carry either a physical copy or a digital version of your insurance card.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.