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Arizona Car Insurance

Driving in the desert of Arizona can be beautiful, and peaceful, most of the time, but there is always chance of a car accident, or wild animal running in front of your vehicle.

At Good2Go Insurance, Inc. we offer you cheap rates on your car insurance to help you get back on the road.

Failure to have proper car insurance may result in a suspension of a driver’s license, or worse.

Arizona Penalties for Driving Without Car Insurance

If you are caught driving without car insurance in the state of Arizona, you will be issued a summons to appear in court with proof that either (1) you had auto insurance at the time or (2) that you have purchased auto insurance since then. Failure to provide proof of insurance to the court may result in:

• Suspension of your vehicle registration and/or
• Suspension of your driver license

In addition, if you can’t provide proof of auto insurance or if there is a lapse in your insurance coverage, you must pay a $50 reinstatement fee to clear your registration suspension.

What is Considered Full Coverage Auto Insurance in Arizona

According to the Arizona Department of Transportation, car insurance law requires all Arizona drivers to have vehicle liability insurance on all registered vehicles including golf carts, motorcycles and mopeds. If you do not have a certificate of insurance, you can have a bond, certificate of deposit or cash in the amount of $40,000 to prove financial responsibility. The state requires drivers to have the following levels of auto insurance coverage:

• $15,000 for injury or death of one person in an accident
• $30,000 for injury or death of more than one person in an accident
• $10,000 for damage to the property of another person

Drivers may also purchase additional auto insurance coverage, such as uninsured and underinsured motorist coverage, but these are not required by the state.

Arizona DUI/DWI Laws and Penalties

In Arizona, it is illegal to operate a motor vehicle while under the influence of alcohol or other substances. The legal Blood Alcohol Concentration (BAC) limits are:

• Under 21: BAC over 0.00% (zero tolerance)
• 21 or older: BAC of 0.08%
• Commercial: BAC of 0.04%
• Extreme DUI: BAC of 0.15% or higher

An Arizona DUI conviction is a serious offense and may carry stiff fines, license suspensions, required attendance in drug/alcohol programs, and even jail time. The penalties for driving under the influence in the state of Arizona include:

First Conviction:

• Minimum of $1,250 in fines
• Up to 10 days in jail
• License suspension up to 360 days
• Community service
• Complete alcohol or other drug screening, education or treatment program
• Mandatory use of an ignition interlock device (at your expense)

Second Conviction:

• Minimum of $3,000 in fines
• Up to 90 days in jail
• License suspension for a minimum of one year
• Community service
• Complete alcohol or other drug screening, education or treatment program
• Mandatory use of an ignition interlock device (at your expense)

3rd Conviction (Aggravated DUI if Within 84 Months of Previous DUI):

• DUI base fine of $750
• Arizona DUI surcharge of $600
• Probation surcharge of $10
• Prison construction assessment of $1,500
• Arizona Xtra DUI assessment of $1,500
• DUI abatement fee of $250
• Minimum 4 months in jail
• License suspension for one year
• Mandatory use of an ignition interlock device (at your expense)
• Mandatory alcohol or other drug screening, education, or treatment programs

Arizona Cell Phone Driving Laws and Texting While Driving Laws

In the state of Arizona, it is illegal for school bus drivers to talk on a cell phone while driving. If a school bus driver is caught using a cell phone while operating a school bus, it is a primary offense. However, this law doesn’t apply to the average driver. There is currently a no texting while driving ban in Arizona.

Arizona SR-22 Insurance Documents

In order to get your driving privileges back after they have been suspended, you must pay fees and file proof of financial responsibility with the state of Arizona. This proof of financial responsibility is known as an “SR-22 insurance document.” You will be required to carry an SR-22 for three years after your suspension. In Arizona, it is required in the following cases:

• If you have any safety responsibility suspensions. For example, if you were driving uninsured and involved in an accident in the past but did not pay the requisite compensation then you would need to file SR-22 insurance documentation.
• If you have any unsatisfied judgment suspensions. For example, if you were involved in an accident in the past and had an unsatisfactory judgment entered against you, then you need to file SR-22 insurance documentation.
• In the case of a license revocation.
• In the case of mandatory insurance supervisions.
• If you are considered a “high-risk” driver by Arizona for reckless driving, driving without insurance and other driving violations, which have led to too many points under the point system.

Fortunately for you, your insurer can electronically file the SR-22 insurance documents to get you legally driving on the road fast.