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Arizona Auto Insurance Guide

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Auto Insurance Resources for AZ State Residents

Arizona Minimum Insurance Requirements

From Fredonia to Nogales, Yuma to Bowie, Bullhead City to Winslow, Arizona has thousands of miles of roadways. They’ll take you to metropolitan Phoenix and Tucson, to Flagstaff ski resorts and the majestic Sonoran desert. On any given day, they’re used by nearly 5 million licensed drivers, who are involved in thousands of traffic accidents, including many that result in serious injury or death. Wherever you live and drive in the Grand Canyon State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Arizona’s basic vehicle insurance requirements and laws.

Arizona state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Under Arizona’s tort system, you may also be liable for actual damages (expenses associated with property damage and medical costs), economic damages (lost wages and earning capacity) and emotional and physical pain and suffering.

The bare minimum car insurance requirement for Arizona drivers is:

  • $15,000 bodily injury per person per accident
  • $30,000 bodily injury for all persons per accident
  • $10,000 property damage liability

Arizona does not require you to carry additional coverage such as Uninsured/Underinsured Motorist, personal liability or Collision and Comprehensive. However, if you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.

Penalties for Failure to Carry Arizona Auto Insurance

You are required by law to carry proof of Arizona car insurance in your car and show it if a law enforcement officer asks to see it. The fine for a first offense is $500 and suspension of your license up to three months. Subsequent offenses carry heavier fines and suspensions. Repeat offenders can be required to surrender their plates, registration and driver’s license. Reinstatement fees can be assessed. In addition, you vehicle may be impounded and you can be charged towing and storage fees in your vehicle is involved in an accident and you are uninsured.

Arizona requires insurance companies to submit private vehicle insurance information to its database. If you do not have insurance, you will be notified and given 30 days to produce proof of Arizona auto insurance. Failure to comply may result in suspension of your registration.

Arizona conducts random survey checks on the vehicle insurance status of registered car owners and assesses the same penalties already mentioned.

Arizona Car Insurance Premiums

Vehicle insurance premiums are regulated by the Arizona Department of Insurance. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:

  • The type of car you are insuring
  • Prior auto insurance coverage
  • How much you drive
  • Your driving record
  • Your age
  • Your gender
  • Your marital status
  • Your geographic location
  • How long you’ve been driving
  • Whether or not you use your car for business

Arizona also allows insurers to consider your credit history to determine your premium.

How to Get the Cheapest Arizona Car Insurance Policy

You may be able to lower the cost of your premiums in the following ways:

  • Ask about available discounts for good driving habits, anti-theft devices, multiple cars on one policy, bundling your car insurance with your homeowners or renters policy, automatic or online payments and driving a hybrid or electric car
  • Compare quotes from a variety of providers on this website
  • Eliminate unnecessary coverage
  • Check to see if you qualify for any low-cost auto insurance program your state may offer

  • New Arizona Driving Laws

    Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Arizona. The following laws have recently been enacted in Arizona and may affect your insurance coverage decisions.

    • Arizona has redefined aggressive driver action to include speeding and at least two of the following: failure to obey a traffic control device, passing on the right out of regular lanes of traffic, unsafe lane change, following too closely, failure to yield right of way, and being an immediate hazard to another person or vehicle.
    • Under Arizona law, driving privileges will be revoked for any felony in which you use a vehicle, perjury relating to the ownership or operation of a vehicle, failing to stop and render aid at a traffic accident site if you were involved, drive-by shooting.
    • Your driving privilege will be revoked for two or more convictions of Arizona law involving reckless driving or racing on the highways.

    Arizona Regulating Agencies and References

    Arizona Department of Insurance

    Arizona Department of Transportation Motor Vehicle Division

    Insurance Information Institute

    National Association of Insurance Commissioners



    Last Updated: 3/7/2014