Arizona Insurance Quotes
Arizona requires that every motor vehicle operated on our roadways be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance, through a company that is authorized to do business in Arizona. This includes golf carts, motorcycles and mopeds.
Minimum levels of financial responsibility are:
- $15,000 bodily injury liability for one person and $30,000 for two or more persons
- $10,000 property damage liability
Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify MVD of all policy cancellations, non-renewals, and new policies. If your insurance company sends MVD a notice that your policy is no longer active, we will send you an inquiry notice to verify insurance status.
Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. To reinstate these privileges, fees and future proof of financial responsibility must be filed with MVD. The future proof requirement is most commonly an SR22 form from an insurance company. This can be expensive to the vehicle owner, especially since the law requires the owner to carry the SR22 for three years from the date of suspension.
All vehicles registered in Arizona must be insured by a company licensed to do business in this state. Arizona residents who are out of state (including military personnel), however, may submit a De-Insured Certificate on a vehicle, on a short-term basis.
De-insurance is a method of temporarily not maintaining the required insurance on the 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 the roadways of this state. To de-insure your vehicle, complete the on-line De-Insured Certificate . Once you have submitted the form, the information will be entered onto the vehicle record, within 2 business days.
A suspension could have been generated for one of several reasons: 1) MVD has not received proof of Arizona insurance, 2) There was a lapse in insurance coverage, 3) There was an accident case opened, 4) A newly registered vehicle may not have been on system when insurance information was received, 5) There was a VIN (vehicle identification number) error, either entered into the system incorrectly or provided incorrectly by the insurance company.
State law requires that the insurance company and the owner submit proof of Arizona insurance within 30 days after initial registration. Insurance companies are also required to routinely notify MVD of all policy cancellations, renewals and new issuance.
**Taken from http://www.azdot.gov/mvd/faqs/scripts/faqs.asp?section=mi
