Insuring Your Vehicle In Az: The Basics

In Arizona, all drivers must have liability insurance on their vehicles, also known as financial responsibility. The state requires a minimum amount of liability coverage, including $25,000 per person/$50,000 per accident for bodily injury and $15,000 for property damage. If you own 10 or more vehicles, you can apply for self-insurance, but this requires extensive documentation. De-insuring your vehicle is possible if it is not being used and is an option via the Motor Vehicle Division's online platform, AZ MVD Now.

De-insuring a vehicle in AZ

De-insuring a vehicle in Arizona is a method of temporarily discontinuing the required insurance on a vehicle until it is ready to be driven or placed on the road again. A de-insured vehicle will not be suspended due to a lack of insurance unless it is driven on Arizona roads.

To de-insure your vehicle, you can use the Motor Vehicle Division's online platform, AZ MVD Now. Here is a step-by-step guide:

• Set up an account on AZ MVD Now: Visit the AZ MVD Now website at AZMVDNow.gov and create an account. Log in to access your personalized homepage.
• Obtain the De-Insured Certificate: Look for the De-Insured Certificate on the website. Fill out the form, providing all the necessary information. You can edit the form, add text, insert images, and make any other required changes.
• Sign the Certificate: Once the form is complete, sign it using your preferred method. You can draw your signature, type it, upload an image of your signature, or use your mobile device as a signature pad.
• Submit and Share the Form: After signing, submit the form on the website. You can then share the completed De-Insured Certificate via email, link, or fax. You also have the option to download, export, or print it for your records.

By following these steps, you can de-insure your vehicle in Arizona. Remember that a de-insured vehicle should not be driven on Arizona roads to avoid suspension.

Minimum insurance requirements in AZ

Arizona requires that every motor vehicle driven on roads in the state be covered by liability insurance through a company authorized to do business in Arizona. This includes golf carts, motorcycles, and mopeds.

The minimum levels of financial responsibility are:

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

You will usually need to present proof of insurance if you are stopped by a police officer. Failure to do so can lead to the suspension of your vehicle registration and/or driver's license.

If you are moving to Arizona, it is important to register your car and get car insurance as soon as possible. The same levels of coverage from your previous state may not be acceptable in Arizona.

You can de-insure your vehicle online at AZMVDNow.gov. De-insurance is a method of temporarily discontinuing the required insurance on a vehicle 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 Arizona roads.

How to prove insurance in AZ

Arizona requires that all motor vehicles operated on its roads have liability insurance from a company authorized to do business in the state. This includes golf carts, motorcycles, and mopeds. The minimum levels of financial responsibility are:

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

You can prove insurance coverage in Arizona by using your smartphone. The Motor Vehicle Division (MVD) has a new online platform called AZ MVD Now, which is secure, fast, and easy to use. Set up an account, log in, and you will see your personalized homepage. You can also use the AZ MVD Now platform to submit temporary notice of updated coverage.

Insurance identification cards can also be used as documentary evidence of vehicle insurance. Authorized insurers issue at least two of these cards for a motor vehicle or automobile liability policy. The card should include the number assigned to the insurer by the department and state that:

• A person is required to have evidence of financial responsibility within the motor vehicle
• The card or an image of the card displayed on a wireless communication device meets the requirement
• The card or an image of the card displayed on a wireless communication device is satisfactory evidence if the person is asked by the department of transportation to verify financial responsibility on the motor vehicle

State law requires that the insurance company and the owner submit proof of Arizona insurance within 30 days of initial registration. Insurance companies must notify the MVD of all policy cancellations, non-renewals, and new policies. If your insurance company sends a notice that your policy is no longer active, the MVD will send you an inquiry notice to verify your insurance status. Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver's license.

Penalties for uninsured vehicles in AZ

Arizona has strict regulations and penalties for driving without insurance. The state requires all drivers to carry a minimum amount of car insurance, and proof of insurance must be carried in the vehicle. If you're caught on the road without insurance, you could face a range of penalties, including:

First Offense

• A fine of $500
• Suspension of your driver's license, registration, and license plates for three months
• A requirement to carry an SR-22 certificate for two or three years
• Fees of $10-$35 to reinstate your driver's license and $50 to reinstate your registration and license plates

Second Offense

• A fine of $750
• Suspension of your driver's license, registration, and license plates for six months
• A requirement to carry an SR-22 certificate for two or three years
• Fees of $10-$35 to reinstate your driver's license and $50 to reinstate your registration and license plates

Third and Subsequent Offenses

• A fine of up to $1,000
• Suspension of your driver's license, registration, and license plates for up to one year
• A requirement to carry an SR-22 certificate for two or three years
• Fees of $10-$35 to reinstate your driver's license and $50 to reinstate your registration and license plates

Additional Consequences

In addition to the penalties outlined above, driving without insurance can lead to other consequences, such as higher insurance premiums and difficulties in obtaining or renewing license plates and registration tags. Uninsured drivers are also more vulnerable to legal action in the event of an accident and may face lawsuits from other drivers involved.

How to insure a vehicle with 10+ vehicles in AZ

If you own 10 or more vehicles in Arizona, you can apply to "self-insure" by completing a Certificate of Self-Insurance Application. This certification requires extensive documentation and a surety bond of one million dollars, among other things. It is primarily designed for owners of corporate fleets or dealers.

To be able to drive your vehicles on Arizona roads, you must have either a motor vehicle liability insurance policy or a certificate of self-insurance. The state of Arizona requires all drivers to establish financial responsibility, meaning they must carry liability insurance on their vehicles. This can be achieved by purchasing liability coverage from a provider authorized to operate in the state.

The minimum amounts of liability coverage required by the state are $15,000 in bodily injury coverage for one person in one accident, $30,000 total bodily injury coverage per accident, and $10,000 in property damage coverage per accident.

It is important to note that if you will not be driving your vehicles for an extended period, you can de-insure them. De-insurance means that your vehicle will not be suspended due to a lack of insurance as long as it is not driven on Arizona roads. You can de-insure your vehicle by submitting a De-Insured Certificate for Arizona form online at AZMVDNow.gov or in person at an MVD office.

Frequently asked questions