Last Updated 25th of June, 2010

Do I need auto insurance to apply for an AZ drivers license? Arizona

New Driver Checklist

Arizona Auto Insurance Requirements

Arizona requires that all drivers maintain adequate insurance coverage to provide protection against injuries or property damage that may occur as the result of an auto accident. Minimum car insurance requirements for the state of Arizona are as follows:

  • $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.
Please keep in mind that this is only the minimum amount of auto insurance that is required. Depending upon the type of vehicle you drive and your financial assets, you may decide to obtain a more comprehensive insurance policy. Get several insurance quotes to make sure you're getting the most competitive insurance rates possible.

If you own 10 or more vehicles, you can choose to obtain a certificate of self-insurance as an alternative to purchasing a traditional auto policy. This requires completion of a formal application and posting of a surety bond of one million dollars.

Penalties for No Car Insurance

The AZ Motor Vehicle Division (MVD) takes proof of insurance requirements very seriously. All insurance companies are required to notify the department about new policies, renewals, and cancellations.

If you let your coverage lapse or get canceled, the MVD will produce an automatic inquiry. If you can't show adequate proof of insurance at this time, your vehicle registration and possibly your drivers license may be suspended. To clear a suspension, you will need to either provide proof of insurance for the time of the coverage lapse or submit an SR-22 form and pay a $50 driver license reinstatement fee.

Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.

  • You could save 15% or more
  • 24 hour claims service
  • Get a FREE instant quote, today!

Related Articles

Visitor Comments

No visitor comments posted. Post a comment

Post Comment for "Do I need auto insurance to apply for an AZ drivers license?"

To post a comment for this article, simply complete the form below. Fields marked with an asterisk are required.

User Opinions

No users have voted.

How would you rate this answer?



Thank you for rating this answer.

Continue
DMVAnswers.com (the Site) is a privately owned, for-profit Web site owned by OnlineGURU, Inc. The Site specifically disclaims any and all connection with any state bureau, division, or Department of Motor Vehicles, or any state or federal government agency. DMVAnswers.com does its best to get the correct information but does not claim responsibility for the accuracy of the information displayed herein. It is not complete or certified information. The information provided on DMVAnswers.com is not legal advice, DMVAnswers.com is not a lawyer referral service, and no attorney-client or confidential relationship is or should be formed by use of the site. Additionally, the Site expressly disclaims any and all liability for third party links or resources on the Site and any claims of negligence arising from same. For official information, please consult your state motor vehicle department.