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Arizona Minimum Car Insurance and Penalties for Driving Without It
The short answer
Arizona requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15).
Arizona at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15) |
|---|---|
| Other required coverage | No other coverage is required besides liability. Insurers must offer uninsured and underinsured motorist coverage in writing, but you can decline it. |
| First offense for driving uninsured | Driving without insurance is a civil traffic violation with a minimum civil penalty of $500. Your driving privileges are suspended or restricted for three months. The court may reduce or waive the penalty if you have no recent violation and buy a six-month policy. |
| Repeat offense | A second violation within 36 months carries a minimum civil penalty of $750 and a six-month suspension of your driver license, registration and plates. A third or later violation within 36 months carries a minimum civil penalty of $1,000, a one-year suspension of license, registration and plates, and an SR-22 filing when you reinstate. |
| Fee to restore after a lapse | $10 to reinstate the driver license. After a suspension from an insurance verification notice, the fees are $10 for the license and $25 for the registration and plates. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Arizona?
Arizona requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15).
What happens if you drive without insurance in Arizona?
Driving without insurance is a civil traffic violation with a minimum civil penalty of $500. Your driving privileges are suspended or restricted for three months. The court may reduce or waive the penalty if you have no recent violation and buy a six-month policy.