Arizona requires that every motor vehicle operated on our roadways be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance, through a company that is authorized to do business in Arizona. This includes golf carts, motorcycles and mopeds.
Minimum levels of financial responsibility are:
- $15,000 bodily injury liability for one person and $30,000 for two or more persons
- $10,000 property damage liability
Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify us of all policy cancellations, non-renewals and new policies. If your insurance company sends us a notice that your policy is no longer active, we will send you an inquiry notice to verify insurance status.
Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. To reinstate these privileges, fees and future proof of financial responsibility must be filed with us. The future proof requirement is most commonly an SR22 form from an insurance company. This can be expensive to the vehicle owner, especially since the law requires the owner to carry the SR22 for three years from the date of suspension.
The Arizona Mandatory Insurance Reporting System manual is available for download for insurance companies.
De-insuring Your Vehicle
De-insurance is a method of temporarily not maintaining the required insurance on the vehicle until it is ready to be driven or placed on the road again. A de-insured vehicle will not be suspended due to lack of insurance unless it is driven on the roadways of this state. To de-insure your vehicle, complete the online De-Insured Certificate. Once you have submitted the form, the information will be entered onto the vehicle record, within 2 business days.
Do you think you've encountered someone committing fraud involving a vehicle? Go to the National Insurance Crime Bureau to learn more about the different types of fraud and to report violators.