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Arizona Car Insurance Information

Requirement : Yes

Financial responsibility is required in Arizona . Drivers must have a minimum of liability insurance.

Minimum Coverage Car Insurance Requirements:

A minimum liability insurance policy is required:

  • $15,000 for bodily injury/death to one person.
  • $30,000 for bodily injury/death per accident.
  • $10,000 for damage to property.

Other Car Insurance Coverage Options:

Liability coverage is the only requirement for Arizona motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Medical and funeral services coverage – Assists with medical payments, or funeral expenses due to an accident.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
  • Medical payments coverage - Assists with medical payments due to an accident.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Full glass coverage – Pays for repairs or replacements of the windshield or other glass.
  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:

    • $40,000 certificate of deposit of assigned to the Office of the Arizona State Treasurer.
    • Contact the Arizona State Treasurer for more information: (602) 542-7800

Proof of Insurance: Yes

You must carry proof of financial responsibility with your vehicle at all times.

Valid forms of proof of financial responsibility include:

  • Insurance card.
  • Policy binder.
  • Copy of policy declaration page.
  • Certificate of financial responsibility from the Arizona Office of Treasurer.

Getting Pulled Over:

  • If you’re pulled over by a police officer, you must show your proof of insurance, along with your driver’s license and car registration.

Violations, Fines & Penalties:

You are required to have proof of car insurance in the state of Arizona , if you are pulled over and cannot provide proof of insurance, or other forms of financial responsibility, you may face the following penalties:

  • Suspension of license/registration.


An SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.

Credit Scores & Determining Your Insurance Premium :

All Arizona drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Arizona Department of Insurance.

Other factors that may be used to determine your premiums include:

  • Age
  • Credit
  • Driving record
  • Make/model/year of your vehicle
  • Usual location

Discounts : Yes

Discounts available in Arizona:

  • Anti-theft device
  • Good student discount
  • Multi-car discount
  • Multi-policy discount
  • Safety features
  • Homeowner’s discount

Cellphone Use:

There is no statewide ban of phone use for standard drivers.

Arizona Minimum Coverage Laws

Carriers in Arizona

Full Insurance Laws for Arizona