Arizona Auto Insurance Requirements and Coverage - Phoenix
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Arizona Liability Insurance Requirements for Private Passenger Vehicles
Although it follows that the more coverage you purchase, the better you're protected from financial risks, the state requires only that you meet minimum requirements. Those minimum amounts of liability coverage are:
- $15,000 bodily injury coverage for one person in one accident
- $30,000 bodily injury coverage total per accident
- $10,000 property damage coverage per accident
Once you're covered for liability, consider purchasing comprehensive and collision coverage. Familiarize yourself with the various types of insurance coverage before you make a final decision on a policy. It's important to get the coverage that will work best for your financial situation and vehicle.
Proof of Insurance and Financial Responsibility
Working in partnership with state insurance companies, the Motor Vehicle Division (MVD) has made it easy to track who's insured and who's not. All insurance providers keep the MVD in the loop about new policies, cancellations, and non-renewals, so if you let your insurance lapse (or it gets canceled) the MVD takes the issue very seriously.
If you're not able to show adequate proof of insurance coverage after receiving an inquiry from the MVD, your vehicle registration―and sometimes even your driver's license―will be suspended.
Driving Rules for Older Drivers
Licenses expire on the 65th birthday, and until then drivers only need new photos every 12 years – making Arizona unique in how long a license can last. Starting at 65, drivers must renew every five years, with a vision test each time. At age 70, renewal can no longer be done by mail.