Arizona Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. Minimum coverages for the state of Arizona are $15,000 personal injury, $30,000 for all injury and $10,000 in property damage. Commonly referred to as 15/30/10 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  • Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner’s permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After two years time, a traffic conviction loses its‘ point value for suspension purposes, however it will stay on your permanent driving record and may effect your insurance rates.

Below is a list of violations and their corresponding point values:

  • Speeding – 3 points
  • Leaving the scene of an accident – 6 points
  • Aggressive Driving – 8 points
  • Reckless Driving – 8 points
  • DUI – 8 points
  • Driving over gore area – 3 points
  • (e.g. The wedge shape lined area at an off ramp segregating the lane )

  • Failure to yield, causing injury ( run light/stop sign ) – 4 points
  • Failure to yield, causing death ( run light/stop sign ) – 6 points
  • All other violations – 2 points
In the state of Arizona if a driver earns 8 or more points in a 12 month period, they must attend traffic school or their license will be suspended.

In certain cases of extreme violation, the driver’s license may be suspended immediately. Here are some examples:

-Failure to stop when involved in an accident.
-Two or more violations for DUI/reckless driving.
-Committing a felony using a vehicle (e.g. Drive by shootings)

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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