Penalties for Driving Without Insurance in Arizona

Penalties for Driving Without Insurance in Arizona

Arizona requires all drivers to carry a minimum amount of car insurance. If you're caught driving without it, the state may suspend your driving privileges for up to a year, charge a fine of up to $1,000 and require you to file an SR-22 certificate of financial responsibility.

Here are the minimum liability limits for a car insurance policy in Arizona:

$15,000 for bodily injury per person $30,000 for bodily injury per accident $10,000 for property damage

Penalties for driving without insurance

In Arizona, law enforcement officers can ask for proof of insurance during traffic stops and may issue a citation if you can't show proof. But if you have coverage and simply forgot to bring it, then you might be able to get the citation dismissed.

If you don't have coverage, the state may suspend your driver's license, registration and license plates for a full year. To reinstate your driving privileges you'll pay a $35 fee and fines ranging from $500–$1,000. The penalties increase if you have previous offenses on your record.

The table below shows penalties under a first and subsequent offense — but you may also be on the hook for additional fines or penalties imposed by the court.

Fine
Driving privilege
Other

First offense

$500Driver's license, registration and license plates suspended for three months; $35 total to reinstateSR-22 certificate for two years

Second offense

$750Driver's license, registration and license plates suspended for six months; $35 total to reinstateSR-22 certificate for two years

Third and subsequent offenses

$1,000Driver's license, registration and license plates suspended for one year; $35 total to reinstateSR-22 certificate for two years

Penalties for first offense

If you can't show valid proof of insurance when requested and it's your first offense, you'll pay a $500 fine. Plus, the state will suspend your driver's license, registration and license plates for three months.

You'll pay a $10 fee to reinstate your driver's license and a $25 fee to get your registration and license plates back. You might also have to ask your insurer to file an SR-22 certificate for two years. This shows proof of future financial responsibility. But this may cause your insurance rates to increase if your insurer sees you as a riskier driver.

Penalties for second offense

If the second offense occurs within three years of a previous insurance citation, the fine jumps to $750 — and your driver's license, registration and license plates will be suspended for six months. As with the first offense, a $10 fee and proof of insurance is required to get your driver's license back, along with a $25 fee to get your registration and license plates. Plus, the state may require you to file an SR-22 certificate for two years.

Penalties for third and subsequent offenses

If the third offense occurs within three years of two previous violations, you'll need to pay a $1,000 fine and surrender your driver's license, registration and license plates for one year. You'll pay the $10 fee and show proof of insurance to get your driver's license back, along with a $25 fee to get your registration and license plates returned. You may also be required to file an SR-22 certificate for two years.

Reducing or eliminating the fine

If you've been convicted of driving without insurance, the state may reduce or waive your penalty in some cases. You'll need to present:

  • Proof that you haven't been convicted of this offense within the last three years.
  • Proof that you've purchased a six-month car insurance policy that meets the Arizona minimum liability requirements.

The court can waive your fine, but if your license or registration was already suspended, you will need to pay reinstatement fees to get those back. If the suspension was still pending, then you may be able to avoid fees and the suspension altogether.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

SR-22 Insurance

An SR-22 form is a certificate of financial responsibility that proves a driver has the minimum required auto insurance. You only need an SR-22 if your state or court orders you to get one — typically after a major driving violation.

Cost of Non-Owner SR-22 Insurance

Compare SR-22 Quotes and Find Cheap Coverage

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ESR-22 Insurance\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAn SR-22 form is a certificate of financial responsibility that proves a driver has the minimum required auto insurance. You only need an SR-22 if your state or court orders you to get one \u2014 typically after a major driving violation.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca data-eventcategory=\"Penalties Sidebar\" data-eventlabel=\"non-owner\" class=\"ShortcodeLink--root ShortcodeLink--black js-event-click\" title=\"Cost of Non-Owner SR-22 Insurance\" href=\"https:\/\/www.valuepenguin.com\/non-owner-sr22-car-insurance\"\u003ECost of Non-Owner SR-22 Insurance\u003C\/a\u003E\u003C\/span\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca data-eventcategory=\"Penalties Sidebar\" data-eventlabel=\"compare sr-22 quotes\" class=\"ShortcodeLink--root ShortcodeLink--black js-event-click\" title=\"Compare SR-22 Quotes and Find Cheap Coverage\" href=\"https:\/\/www.valuepenguin.com\/sr-22-auto-insurance\"\u003ECompare SR-22 Quotes and Find Cheap Coverage\u003C\/a\u003E\u003C\/span\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"normal"}