No, you cannot go to jail for driving without insurance in Arizona, but you can face other serious consequences, such as suspension of license and fines up to $1,000. Driving without insurance in Arizona is illegal and can have a serious impact on your car insurance rates moving forward.
Penalties for Driving Without Insurance in Arizona
Fine of up to $500 for the first offense, at least $750 for the second offense, and at least $1,000 for subsequent offenses
Suspension of license up to 3 months for the first offense, up to 6 months for the second offense, and for up to 1 year for subsequent offenses
Suspension of registration up to 3 months for the first offense, up to 6 months for the second offense, and for up to 1 year for subsequent offenses
SR-22 requirement for 3-5 years for the first and subsequent offenses
If you are in an accident while driving uninsured in Arizona, you will still face the consequences of driving without insurance even if you’re not at fault. Additionally, if you cause the accident, you’ll be liable for property damage and medical expenses for anyone else who was involved. The only way to avoid this is by being insured.
Arizona is an at-fault state, which means that the at-fault driver is responsible for paying for everyone injured in the accident. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP).
On average, state minimum coverage costs $1,606 per year in Arizona, but there are many factors that can affect how much you pay for a policy. Any coverage above and beyond what is required by Arizona law is optional, but it’s usually worth the money to get some additional protection. The biggest reason is that state minimum coverage doesn’t protect your personal vehicle. For insurance to pay for damage to your car, you’ll need full coverage.
In Arizona, full coverage refers to a policy that includes collision and comprehensive, plus higher coverage limits than what is required by state law. Full coverage car insurance costs about $4,684 per year in Arizona. There may be cases when you don’t need full coverage insurance, but Arizona drivers should buy as much coverage as they can afford as a general rule.
Most policies offer coverage for six months to one year at a time and can be paid in a variety of ways, including monthly payments. The best car insurance companies in Arizona balance affordability with quality coverage and strong customer service. You can easily get a quote from top companies like State Farm, Allstate, American Family, The Hartford and Safeco online or over the phone, or use WalletHub’s comparison tools to find the best car insurance policy for your needs.
Car insurance in Arizona costs $60 per month or $720 per year for minimum coverage, on average. The cheapest car insurance companies in Arizona are USAA, Geico, and State Farm, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Arizona is 12% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Arizona,...
You can get car insurance in Arizona by comparing quotes from both national and local insurance companies to find the best deal, then purchasing coverage online, by phone or in person. In Arizona, only liability car insurance is required for all drivers.
7 Steps to Get Car Insurance in Arizona
1. Gather vehicle and driver details
You’ll need to have information about yourself and any other drivers you want on your policy,...
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.