Frequently Asked Questions

No, you cannot keep the auto insurance from your previous state of residence. All motor vehicles registered in the state of Arizona must be covered by an insurance company licensed to do business in the state. Arizona residents currently living out of state (including military personnel) are allowed to submit a De-Insured Certificate on a vehicle, but only on a short-term basis.

If moving to Arizona, make sure to maintain at least the two mandatory types of coverage required. Driving a vehicle without auto insurance in the state of Arizona can result in a suspended drivers license and/or vehicle registration.

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If you are moving out of Arizona to another state, check with your insurance provider and the DMV in the state you are moving to for information concerning minimum required liability coverage and other car insurance related issues.

If you are moving to Arizona from another state, you must cancel your vehicle coverage as all vehicles registered in the state of Arizona must be covered by an insurance company licensed to do business in this state.

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If you choose not to get car insurance, the state of Arizona allows you to keep a Certificate of Deposit in the amount of $40,000 assigned to the Office of the Arizona State Treasurer as proof of financial responsibility.

Bear in mind that if caught driving without insurance or an acceptable form of financial responsibility, you will face fines and high reinstatement fees in addition to a suspended drivers license.

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If you have been in an accident and suffered damages to your vehicle, contact your auto insurance provider as soon as possible. Property Damage Liability Insurance is one of the forms of minimum liability insurance required by Arizona state laws and protects you in case of damages caused to the vehicles or property of others.

The state of Arizona does not require private citizens to report auto accidents. A report will be made by the concerning police officer if the accident resulted in damage to property in excess of $1000.

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Yes, you must apply for car coverage even if you are living outside Arizona for a certain period of time. However, Arizona residents who are temporarily living out of state (including military personnel) are allowed to de-insure their vehicle, but only on a short-term basis. De-insurance is a method of temporarily not maintaining the required insurance on the vehicle. To de-insure your vehicle, complete the online De-Insured Certificate. After you have submitted the form, the information will be entered into the vehicle record, within two business days.

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The minimum coverage limits required by the state of Arizona are as follows:

• Bodily-injury liability:
  • $15,000 per person
  • $30,000 per accident
• Property-damage liability:
  • $10,000 per accident

The state of Arizona also allows you to opt out of auto insurance by providing a Certificate of Deposit of $40,000 assigned to the Office of the Arizona State Treasurer as proof of financial responsibility.

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In order to register your vehicle with the Arizona MVD, you must provide proof of auto insurance along with the other required documentation and applicable fees and taxes. To register your car in Arizona, present proof of meeting Arizona s required coverage amounts for Bodily Injury Liability Insurance and Property Damage Liability Insurance. Proof of car insurance accepted by the AZ DOT include:

• An insurance card from your Arizona car insurance company.
• A copy of your auto insurance policy.
• An image of your insurance card on a mobile device

Alternatively, you can opt out of car insurance and present a Certificate of Deposit of $40,000 assigned to the Office of the Arizona State Treasurer as proof of financial responsibility.

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There are two types of car insurance required to legally operate a motor vehicle in the state of Arizona:

1. Bodily Injury Liability Insurance, which pays for bodily injury to others for which you become legally responsible for due to an auto accident in which you were involved
2. Property Damage Liability Insurance, which protects you from damages you may cause to the vehicles or property of others

In addition to the minimum liability insurance coverage, auto insurance companies in Arizona provide further protection. Some of the most common forms of optional vehicle coverage include:

• Collision coverage
• Comprehensive coverage
• Full glass coverage
• Medical payments coverage

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Failure to get or keep auto insurance in the state of Arizona could result with a suspended driving license or a suspended vehicle registration, in addition to a minimum fine of $250. You will then be required to pay high fees and provide future proof of financial responsibility to reinstate your suspended drivers license. In addition, the Arizona MVD requires you to carry the SR22 insurance for three years from the date of suspension.

Arizona insurance companies regularly inform the AZ DMV of all policy cancellations, non-renewals and new policies; hence the AZ Motor Vehicle Division is always informed of policies that are no longer active. Furthermore, if you are pulled over or involved in an accident anywhere in Arizona, the AZ law enforcement officers will ask you for proof of insurance in addition to your license and registration.

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All motor vehicles operated on roadways within the state of Arizona must be covered by one of the forms of liability insurance. This requirement also includes golf carts, motorcycles and mopeds.

Before you can register your vehicle with the AZ Motor Vehicle Division, you must show proof of financial responsibility. This can be in the form of a certificate of insurance, a bond, or by keeping a Certificate of Deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

In addition to minimum liability vehicle coverage, Arizona insurance companies also offer additional insurance which is not mandatory in the state of Arizona, but which can provide you with further protection.

For more information: Arizona Auto Insurance – Get a Quote and Save