FAQ – Auto Insurance Phoenix

We have provided information that we hope you find helpful.  Below are common questions we have been asked by our Arizona Insurance customers.

Mandatory minimum level of coverage

Auto insurance coverage in Arizona must provide a minimum of $15,000 for injury liability protection for one person in an accident, $30,000 for all injuries in an accident, and $10,000 for property damage in an accident. Explanation of coverage: Bodily Injury $15,000 for the death or injury of any one person per accident $30,000 for all persons per accident $10,000 for property damage per accident

What happens if I don’t carry auto insurance?

Law enforcement is required to ask you for proof of auto insurance at the time of routine traffic stops or collisions.  Insurance companies must notify the Motor Vehicle Division (MVD) of all policy cancellations, non- renewals and new policies.  If your insurance company sends MVD a notice that your policy is no longer active, MVD will send you an inquiry notice to verify insurance status.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 suspension of your registration and/ or driver’s license.  

Will my out of state insurance be acceptable for Arizona?

No.  All vehicles registered in Arizona must be insured through an insurance company licensed to do business in Arizona.  Arizona residents who are out of state (including military personnel), may submit a De-Insured Certificate on a vehicle, on a short term basis.  

How long do I have to get insurance after I register my car?

Insurance is required immediately before driving the vehicle.

How do I prove I have insurance?

Your insurance company will send you proof of insurance listing covered automobiles and drivers (including policy number and expiration).  Your policy or a temporary binder is an acceptable evidence of insurance.

What if I am currently driving without coverage?

Best Buy Insurance Group offers instant proof of insurance when you buy auto insurance online or at one of our six (6) Arizona Insurance locations.