What Drivers Need to Know
If you’re behind the wheel in Arizona, vehicle insurance isn’t optional—it’s the law. Under Arizona Revised Statutes § 28-4135, all drivers must carry valid liability insurance. Failing to do so can lead to steep fines, license suspensions, and long-term legal trouble—even if you’re never in an accident.
At Rideout Law Group, we help clients across Scottsdale, Lake Havasu City, and throughout Arizona navigate traffic violations and criminal charges related to driving uninsured. Below is what every Arizona driver needs to know.
Arizona’s Auto Insurance Requirements
Arizona mandates all registered vehicles have minimum liability coverage of:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $15,000 for property damage per accident
This is often referred to as 25/50/15 coverage. Even if you’re not driving regularly, letting your policy lapse—even temporarily—means you’re legally uninsured.
What Happens If You Drive Without Insurance?
Driving uninsured in Arizona carries serious consequences, especially if repeated. Here’s a breakdown of penalties:
First Offense
- $500+ fine
- License and registration suspension
- Mandatory SR-22 high-risk insurance filing for 3 years
Second Offense (within 36 months)
- $750+ fine
- Longer suspensions
- Ongoing SR-22 requirement
Third or Subsequent Offense
- $1,000+ fine
- Extended license and registration suspensions
- Steep increases in insurance premiums
These penalties apply even if you’re not involved in an accident.
Uninsured and In an Accident? Greater Risks Apply
If you’re at fault in a crash and don’t have insurance, you may be personally liable for:
- Medical expenses
- Property damage
- Lost wages
- Pain and suffering
Without coverage, you could face civil lawsuits, wage garnishment, and other serious financial consequences.
How Arizona Police Verify Insurance
Arizona uses an electronic insurance verification system. During a traffic stop, law enforcement can instantly see whether your vehicle is insured. If your insurer hasn’t reported your coverage accurately or timely, you may still be cited.
Even showing proof of insurance later may not get the citation dismissed.
Can You Fight a No-Insurance Ticket?
Yes, depending on the circumstances. You may challenge the ticket if:
- Your insurance was valid at the time
- A reporting error occurred
- The traffic stop was unlawful
- The officer cited incorrect information
An experienced Arizona traffic attorney can review your situation and help reduce or dismiss the penalties.
Trusted Legal Help for Traffic Violations Across Arizona
A no-insurance citation doesn’t have to derail your life. If you’re dealing with a traffic violation—especially tied to a criminal or DUI charge—you need strategic legal defense.
Rideout Law Group defends drivers in Scottsdale, Lake Havasu City, and throughout Arizona. Our legal team understands Arizona traffic law and knows how to protect your rights and your record.
📍 Offices in:
- Scottsdale: 11111 N Scottsdale Rd, Suite 225, Scottsdale, AZ 85254
- Lake Havasu City: 2800 Sweetwater Ave, Suite A104, Lake Havasu City, AZ 86406
🔒 Your License. Your Future. Let Us Help.
Don’t risk license suspension or costly fines. Get a free consultation with a traffic defense attorney today.
📞 Scottsdale: (480) 584-3328
📞 Lake Havasu: (928) 854-8181
📧 Contact Rideout Law Group
This blog post is for informational purposes only and does not constitute legal advice. Reading this content does not create an attorney-client relationship. For legal guidance specific to your situation, please contact a licensed attorney at Rideout Law Group.