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What is the state requirement for auto insurance in Arizona?
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Motor vehicles that are operated on public roads in Arizona (AZ) are required to have auto insurance coverage.
NOTE: Like many states, AZ doesn’t require residents to purchase personal injury protection (PIP), also known as no-fault insurance. However, it doesn’t hurt to consult an agent about its benefits.
If the MVD does not have your current car insurance data, send a copy of your liability insurance card to the MVD office in Phoenix (address is at the bottom of this article).
In the event that you have an auto that is never driven on public roads complete Form SR22. Mail the completed form to:
Mail Drop 558M
Insurance Unit
Motor Vehicle Division
PO Box 2100
Phoenix, AZ 85001-2100
Required Auto Insurance in Arizona
The minimum level of liability insurance required on autos in AZ is as follows:- Injury to one person: $15,000
- Injury to two or more people: $30,000
- Property damage: $10,000
NOTE: Like many states, AZ doesn’t require residents to purchase personal injury protection (PIP), also known as no-fault insurance. However, it doesn’t hurt to consult an agent about its benefits.
Verifying and Updating Your Car Insurance
Access the Service Arizona EZ Insurance Verification system to confirm that the MVD has your most current auto insurance information in their database. You need your vehicle identification number (VIN), make, and year to pull up your personal data. It is free to use the online system.If the MVD does not have your current car insurance data, send a copy of your liability insurance card to the MVD office in Phoenix (address is at the bottom of this article).
Insurance on Motor Vehicles Not Operated on Arizona Public Roads
AZ does not require you to maintain liability insurance on a motor vehicle if you do not operate the vehicle on public roads.In the event that you have an auto that is never driven on public roads complete Form SR22. Mail the completed form to:
Mail Drop 558M
Insurance Unit
Motor Vehicle Division
PO Box 2100
Phoenix, AZ 85001-2100
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