Vehicle insurance — Arizona Permit Test

Every motor vehicle driven on Arizona roads must be covered by a liability insurance policy from a company licensed to do business in Arizona.

After a crash, the person you hit needs someone to pay for their car and their injuries. Without insurance, that someone is nobody.

Every motor vehicle operated on the roadways of this state must be covered by an insurance liability policy issued by a company that is licensed to do business in Arizona.

Arizona’s minimum bodily injury liability coverage is $25,000 for one person.

One hospital stay can cost far more than a car. This is the least a policy must pay when one person is hurt.

$25,000 bodily injury liability for one person and $50,000 for two or more persons.

Arizona’s minimum bodily injury liability coverage is $50,000 when two or more persons are hurt.

A crash that hurts a whole family costs more than one that hurts one person. The limit rises to cover them.

$25,000 bodily injury liability for one person and $50,000 for two or more persons.

Arizona’s minimum property damage liability coverage is $15,000.

If you hit another car or a fence, your policy pays for it. Without this, the bill comes to you.

$25,000 bodily injury liability for one person and $50,000 for two or more persons. • $15,000 property damage liability.

You must have proof of current insurance in the vehicle whenever you drive it, and officers will ask for it at traffic stops and crashes.

An officer at a crash cannot call your insurer from the roadside. The card in the glove box is how they know you are covered.

You must have proof of current insurance in the vehicle when operating the vehicle.

Failing to keep proper Arizona insurance with a correct VIN on file with MVD can lead to suspension of your vehicle registration, your driver license, or both.

A typo in the VIN can make MVD think your car has no insurance. The fix is on you, and the cost can be your license.

Failure to maintain proper Arizona insurance with a correct VIN on file with MVD could lead to the suspension of your vehicle registration and/or driver license.

What insurance must every motor vehicle driven on Arizona roads have?

Liability insurance from a company licensed in Arizona. After a crash, the person you hit needs someone to pay for their car and their injuries. Without insurance, that someone is nobody. Arizona Driver License Manual and Customer Service Guide, p.9: “Every motor vehicle operated on the roadways of this state must be covered by an insurance liability policy issued by a company that is licensed to do business in Arizona.”