Car insurance for Arizona is a must if you would like to drive with out having to pay huge fines. The mandatory liability car insurance law for Arizona applies to motorcycles, mopeds and even golf carts. In the State of Arizona, the minimum requirement for liability insurance is $15,000 for one person bodily injury liability, $30,000 for two or more persons bodily injury and $10,000 for property damage liability.

The Arizona Department of Motor Vehicles requires insurance companies to notify them of all non-renewals, new policies and policy cancellations. So, if your Arizona car insurance policy is no longer active, your can bet your last insurance payment that the insurance company will notify the AZ DMV. The Aizona DMV well then send you a notice of regarding the status of your car insurance.

If you fail to maintain the required insurance, your vehicle registration and/or drivers license may be suspended. You will then have to file a proof of financial responsibility and pay the necessary reinstatement fee if you want to reinstate your driving privileges. Then comes the required proof of financial responsibility which is the SR-22 form. The owner of the vehicle must then have the SR-22 from the date of suspension to three years.

Out-of-state car insurance is not acceptable for vehicles registered in Arizona. All cars that are registered in the state must have insurance from an Arizona licensed insurance company. However, if the car is not going to be driven for a period of time, such as the owner being military personnel,  the individual can be submit for de-insurance. In this case, your license will not be suspended for not having the required car insurance for Arizona. Of course, the vehicle must not be driven on the roads of Arizona. Its also advisable for owners of cars being restored to secure a de-insurance certificate instead of dropping the insurance. After restoration the owner can then get proof of insurance and a non-use certificate and then apply for its registration.

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