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.


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