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Required Coverages

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 15/30/10 or 15,000/30,000/10,000

Arizona’s Financial Responsibility law requires you to maintain liability limits of at least:

The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $15,000 per person limit.

The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.

Proof of Financial Responsibility & Penalties

Under Arizona law, you are required to provide documentation of Financial Responsibility in the following circumstances:

  • At the request of a law enforcement officer at the time of an accident or traffic stop
  • When registering a vehicle

To ensure drivers continue to meet the Financial Responsibility requirements, Arizona requires insurance companies to notify the Arizona Motor Vehicle Division (MVD) of all policy issuances, cancellations or non-renewals. If your insurance company sends the MVD a notice that your policy is no longer active, the MVD will send you an inquiry notice to verify insurance status.

What is the penalty for Failure to Comply with Arizona's Financial Responsibility Requirements?

Failure to produce evidence of Financial Responsibility at the request of a law enforcement officer investigating an accident or during a traffic stop can result in monetary penalties as follows:

  • $500 fine for the first violation and suspension of your driver's license, registration and plates for three month
  • $750 fine for the second violation within 36 months and suspension of your driver's license, registration and plates for six months
  • $1,000 fine for the third violation within 36 months and suspension of you driver's license, registration and plates for one year

To reinstate these privileges, you may be required to pay fees and submit future proof of Financial Responsibility to the MVD. The future proof requirement is most commonly an SR-22 issued by an insurance company.

What is a Certificate of Financial Responsibility (SR-22)?

An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the MVD that provides proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:

  • To reinstate a suspended license after the person fails to pay an accident judgment
  • To reinstate a suspended license after the person fails to maintain proof of Financial Responsibility
  • To reinstate a suspended license after a Driving Under the Influence (DUI) conviction
  • To reinstate your license after implied consent violation

If you are required to maintain a certificate of Financial Responsibility, your insurance company is required to provide the MVD with at least ten (10) days advance notice before termination.
SafeAuto will only issue an Arizona SR-22 to Arizona residents.

Can I De-Insure Vehicles in Arizona?

Arizona allows residents to de-insure certain owned vehicles. De-insurance is a method of temporarily not maintaining the required insurance on a vehicle you own or lease that is temporarily not being used 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 Arizona roadways. To de-insure your vehicle, you must complete the De-Insured Certificate form located on the Arizona Department of Transportation website.

Looking For Arizona Auto Insurance?

You can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.

SafeAuto offers cheap car insurance throughout the entire Grand Canyon State! If you are looking for more information about car insurance in a specific city in Arizona, additional material can be found below:

Related Links:

Arizona Motor Vehicle Division

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.