ALL YOU NEED TO KNOW ABOUT INSURANCE

IN INSURANCE THIS IS VERY IMPORTANT
If you have a vehicle and want to drive on Arizona roads, then you must obtain at least the minimum Arizona auto insurance coverage. The state of Arizona does not require collision or comprehensive auto insurance, but it does require a minimum liability auto insurance policy for all motorists.
Arizona Minimum Liability Auto Insurance Requirements
Each state has its own guidelines and regulations for minimum car insurance coverage. Liability coverage is simply insurance that covers others that are harmed by an accident, but it does not cover bodily injury or property damage done to yourself if you are at fault. The minimum coverage required for any vehicle that is to be driven on Arizona roads is 15/30/10 liability coverage, which means the following coverage:
$15,000 for the bodily injury or death of one person in an accident that is determined to be your fault.
$30,000 for the bodily injury or death of two persons in an accident in which you are determined to be at fault. There is also a $15,000 maximum per person at this level of coverage.
$10,000 property damage due to an accident in which it is determined that you are at fault.
Arizona auto insurance minimum coverage requirements do not dictate that you have to have auto insurance on vehicles that are garaged. If you have a vehicle that you are not using for whatever reason, you can de-insure that vehicle temporarily. An Arizona De-Insured Certificate must be filled out and submitted. You cannot drive the vehicle again until you reinstate Arizona car insurance on the vehicle.
Arizona Auto Insurance for Uninsured Motorists
Uninsured motorist coverage is auto insurance that you purchase to cover yourself in case you are involved in an accident with someone who does not have auto insurance. Many states do require you to obtain uninsured motorists auto insurance but it is not a part of Arizona auto insurance minimum coverage requirements. However, all Arizona auto insurance companies are required to offer this insurance to you, but you need not accept.
Penalties for not Obtaining Arizona Auto Insurance Minimum Requirements
As stated before, it is required by law to obtain minimum car insurance coverage in the state of Arizona. It is also required that you demonstrate proof of insurance at specific times. If a law enforcement officer asks for your proof of insurance at the scene of an accident or any other time, you must show when requested, there are legal penalties. In the state of Arizona, you can be hit with a $500 fine and suspension of your license, vehicle registration and license plates for three months. This is the penalty for a first offense, and the penalties for second and third offenses are more severe.