Arizona Car Insurance Requirements

The state of Arizona follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages.

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Drivers must carry a minimum of:

  • $15,000 bodily injury coverage for one person in one accident
  • $30,000 bodily injury coverage total per accident
  • $10,000 property damage coverage per accident

If you own 10 or more vehicles, however, you can apply to “self-insure” when you complete a Certificate of Self-Insurance Application. Self-insurance certification requires extensive documentation and a surety bond of one million dollars, among other things, and is mostly designed for dealers or owners of corporate fleets.

Proof of insurance:

The State of Arizona keeps track electronically in partnership with state insurance companies. All insurance providers keep the Motor Vehicle Department informed about new policies, cancellations, and non-renewals.

If you’re not able to prove insurance coverage, your vehicle registration, and possibly your driver’s license, will be suspended.

For more information:

Motor Vehicle Division

Mail Drop 558M

Insurance Unit

P.O. Box 2100

Phoenix, AZ 85001-2100

http://www.id.state.az.us/consumerautofaq.html