Vehicle Services

What happens if I don't get insurance?

Law-enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify MVD of all policy cancellations, nonrenewals and new policies. If your insurance company sends MVD a notice that your policy is no longer active, we will send you an inquiry notice to verify insurance status.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 MVD. 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.

What is "mandatory insurance"?

Arizona requires that every motor vehicle operated on 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 requirement also includes golf carts, motorcycles and mopeds. Minimum levels of financial responsibility are

  • $25,000 bodily-injury liability for one person and $50,000 for two or more people.
  • $15,000 property-damage liability.

How do I register my boat?

Watercraft registration is the responsibility of the Arizona Game and Fish Department. Please check their website for forms and information on watercraft registration; boating rules and regulations, boating education and more.

What is a 90-Day resident registration?

An Arizona resident who does not have complete documentation for issuance of a title or registration may apply for a 90-day registration. This registration allows operation of the vehicle while obtaining additional documentation. It may be purchased at any MVD or Authorized Third Party provider. The fee is $15. When complete documentation is submitted, vehicle license taxes will be calculated, for the full year, back to the date of issuance of the 90-day registration.

How do I obtain a trip permit?

If you bought the vehicle from a licensed dealer, the dealer will give you a Temporary Registration Plate that allows you to operate the vehicle for any purpose. If you purchased the vehicle from a private sale, you may obtain a Restricted Use 3-Day Permit at azmvdnow.gov