Help With Auto Insurance


Arizona Department of Insurance
100 North 15th Avenue, Suite 261

Phoenix, AZ  85007-2630

Starting July 1, 2020, we became the
Department of Insurance and Financial Institutions (DIFI).

Before you can register a vehicle in Arizona, you must show proof of financial responsibility. This can be in the form of a certificate of insurance, a bond, or certificate of deposit or cash in the amount of $40,000.  

To show proof of financial responsibility by means of insurance, you must maintain two types of coverage:

  • "Bodily injury" (which pays for bodily injury to others for which you become legally responsible due to an auto accident in which you were involved), and
  • "Property damage" (which protects you for damage you may cause to the vehicles or property of others).

Starting July 1, 2020, the minimum required coverage limits are

  • $25,000 per person and $50,000 per accident for bodily injury coverage and
  • $15,000 per accident for property damage coverage.

The amount of insurance coverage you purchase represents the maximum amount ("limit") that the insurance company will pay, and you may be required to pay for losses that exceed your coverage limit.  The following Information may help you shop for auto insurance and learn about auto insurance policies.

Note:  The Department can, as part of investigating a complaint, evaluate whether an insurance company took reasonable steps to investigate and adjust an automobile insurance claim.  However, The Arizona Department of Insurance does not have the authority to adjust claims (e.g. determine the value of vehicles, the extent of damage or the costs of repairs).


Automobile Insurance Resources

Personal Automobile Insurance Consumer Awareness Points

When considering automobile insurance purchases, bear in mind these “Consumer Awareness Points”...

Premium Comparison and Complaint Ratios for Automobile Insurance

Review hypothetical insurance premiums and statistics on complaints.

Consumer Guide: Understanding How Insurers Use Credit Information

Learn how insurance companies use your credit information.

New Driver's Guide to Auto Insurance

Obtain answers to some important questions about auto insurance.

Ride Sharing

Learn how using your vehicle in a ride-sharing arrangement with a transportation network company (Uber, Lyft, etc.) may affect your automobile insurance coverage.


The National Association of Insurance Commissioners (NAIC) has a great resource called "InsureU" where you can learn about various types of insurance and ways to plan and protect yourself.

Insurance Information Institute

Click here for descriptions of various types of insurance, buying tips, information about filing claims and more.  The TOPICS menu allows you to select a type of insurance for which you want information.

Arizona Insurance Institute

Click here for information about automobile insurance, homeowners' insurance and business insurance.

Motor Vehicle Division (MVD) - Arizona Department of Transportation

Click here to navigate to the MVD, and then use the "Motor Vehicle Services" link to view information concerning Arizona's mandatory insurance requirements and information necessary to de-insure a vehicle that is not in use.

Military Service Members & Their Families: Insurance Issues

Click here for information that can help service members and their families make informed insurance-buying decisions.

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