Arizona requires that every motor vehicle operated on roads in the state be covered by 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
Insurance companies notify MVD of all policy cancellations, non-renewals and new policies. If your insurance company sends a notice that your policy is no longer active, MVD will send you an inquiry notice to verify insurance status.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.
The Arizona Mandatory Insurance Reporting System manual is available for insurance companies to download.
De-insuring Your Vehicle
De-insuring is temporarily discontinuing the required insurance on the vehicle until it is ready to be on the road again. This is a means to prevent suspension for failing to maintain proper insurance. To de-insure your vehicle, complete the online De-Insured Certificate.