Arizona Auto Insurance - (AZ)

In Arizona, the Motor Vehicle Division has a focus on making sure that people on the state roads and highways are protected and safe. In keeping with this goal of safety, state laws require that all vehicles maintain liability insurance through a company that is authorized to provide auto insurance in the state. In order to avoid possible suspension of your license or vehicle registration, you must adhere to the state guidelines, which can be very strict.

Auto Insurance Regulations in Arizona

• All vehicles and vehicle types must be insured: If you intend to drive a vehicle of any kind within the state it must have insurance coverage at the minimum levels required by the state.
• Law enforcement officers will ask for proof of insurance: During any traffic stop or accident, DPS officers will ask for proof of insurance. Failure maintain insurance could result in a suspension of your vehicle registration or drivers license or both. The only remedy against these requires fees and an SR22 form filing which must be carried in the vehicle for three years from the date of suspension.
• Minimum coverage amounts are: $15,000 bodily injury liability per person and $30,000 for two or more persons involved in an accident as well as $10,000 property damage liability.
• Insurance is required immediately: When purchasing or registering a car with the state. There is no grace period.

If you are driving in Arizona on vacation or on a temporary basis, be sure that your insurance provider is licensed in the state in order to avoid a potential violation. If you will not be driving a vehicle that you have registered, you may have it de-insured by filling out a De-Insured Certificate form which is available online. This will allow you to keep the vehicle registration current while not paying for insurance premiums.

Also keep in mind that the amounts mentioned here are minimum requirements. They may not be sufficient to fully cover the damage or injury caused in an accident that may be your fault. Without sufficient coverage, you may become personally legally liable for any additional expenses above and beyond what your insurance provides for.

Arizona Auto Insurance - (AZ)

Department Of Arizona (AZ) State Government That Regulates Auto Insurance:
Web Site: www.id.state.az.us

How To Contact Directly:
Arizona Department of Insurance
2910 North 44th Street
Suite 210
Phoenix, AZ 85018-7269

Arizona (AZ) Mandatory Auto Insurance Minimums

• Liability: 15/30/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Regulations Regarding Proof of Insurance: Proof Required - If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory Insurance: Fine up to $250 plus license suspension

How To File A Complaint About An Insurer:

How To Request Assistance From The Arizona Department of Insurance

Mail Complaint Form To:
Arizona Department of Insurance
ATTN: Request For Assistance
2910 North 44th Street
Suite 210
Phoenix, AZ 85018-7269

For Questions About Insurance
Call These Consumer Assistance Phone Numbers:
Phone Phoenix: 1-602-364-2499
Phone Tucson: 1-520-628-6370
Toll Free: 1-800-325-2548 (In-State)
Or Email: consumers@id.state.az.us