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Arizona Auto Insurance Policy Requirements
by Doug Cohen

What is the Mandatory Car Insurance Law?
Arizona law requires drivers in Arizona State, whether in Tucson, Phoenix, Scottsdale, Chandler, Flagstaff, Mesa, Glendale, Tempe, beautiful Sedona or somewhere beyond, to have a car insurance liability policy of at least the required minimum limits. What are those minimum required limits?

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Under Arizona law, you’re required to have car insurance liability limits of at least 15/30/10. What does this mean? It means:
$15,000 per person, for bodily injury you cause
$30,000 per accident, for bodily injury, and
$10,000 per accident, for damage to another’s property, usually their car.

Proof of Insurance
If you’re stopped by a law enforcement officer, you must present an insurance identification card showing that the car is insured. Your car insurance company must provide you with an identification card when they issue or renew your car insurance liability policy. At your request, the company will provide a card or temporary proof of insurance for each car covered under your policy and if you purchase your insurance from InstantCarInsurance.com or Ensurance.com you can also print your ID cards online instantly and for free.

The insurance identification card includes the name of the insurance company, the policy number, and the policy’s effective and expiration dates. It also includes a description of the insured car(s) and/or the name of the insured driver.

If you do not carry proof of insurance and you are stopped by law enforcement, the state of Arizona considers it a traffic infraction. You can receive a fine and it may go on your driving record. The courts could also add other unwanted fees to your fine so always keep a current (up to date) proof of insurance id in the car with you at all times.

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