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Arizona Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Arizona. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Arizona.

AZ Auto Insurance Laws and Regulations:

Arizona Department of Insurance
2910 North 44th Street, Suite 210
Phoenix, AZ 85018

Minimum Car Insurance Coverage in AZ:

$15,000 for injury/death to one person

$30,000 for injury/death to more than one person

$10,000 for damage to property

AZ Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles

De-insured vehicles

AZ Uninsured Penalties:

$500 fine for the first violation and suspension of your driver license, registration and plates for 3 months; - $750 fine for the second violation within 36 months and suspension of your driver license, registration and plates 6 months; or - $1,000 fine for the third violation 36 months and suspension of you driver license, registration and plates for 1 year. - To reinstate these privileges, you may be required to pay fees and submit future proof of Financial Responsibility to the MVD. The future proof requirement is most commonly an SR-22 issued by an insurance company.

The former will also come in the form of registration reinstatement fees, while the latter will probably also involve the costly maintenance of an SR22 form for three years as well.

The mandatory penalty for violation of the implied consent law in Arizona is suspension or revocation of one's driving privilege.

AZ Department of Insurance Contact Information:

1-602-364-2499 or
Toll Free: 1-800-325-2548

AZ State Insurance Department Website:

Directory of Arizona Auto Insurance Agents by County

La Paz
Santa Cruz

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