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Car Insurance Question  Do you need insurance to obtain a license in Arizona?

The Arizona Motor Vehicle Division notes that to apply for a driver's license if you are currently licensed in another state, you must bring in your out-of-state driver license and one other form of identification, take the vision test, and pay the appropriate fee. A written test will not be required.

If you are between the ages of 16 and 18, a parent or legal guardian must sign the legal guardian section on the driver license application. The legal guardian's identification may serve as one form of identification, but you will still need two additional documents, such as an original birth certificate and Social Security card. You will be subject to the written, vision and road skills test as well as the appropriate application fee.

The AZ MVD does not mention that proof of auto insurance is required to obtain a driver's license. If you are taking a road test as part of your licensing process though normally you will need to show proof of insurance for the vehicle before the driving on the roadways with the tester.

Arizona requires that every motor vehicle operated on our roadways be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance, through a company that is authorized to do business in Arizona. This includes golf carts, motorcycles and mopeds.

Minimum levels of financial responsibility are:

  • $15,000 bodily injury liability for one person and $30,000 for two or more persons
  • $10,000 property damage liability

Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify MVD of all policy cancellations, non-renewals, and new policies. If your insurance company sends MVD a notice that your policy is no longer active, we will send you an inquiry notice to verify insurance status.

Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. To reinstate these privileges, fees and future proof of financial responsibility must be filed with MVD. The future proof requirement is most commonly an SR22 form from an insurance company. This can be expensive to the vehicle owner, especially since the law requires the owner to carry the SR22 for three years from the date of suspension.

Out of state insurance is not accepted. All vehicles registered in Arizona must be insured by a company licensed to do business in this state.

If you want to apply for an Arizona driver's license then you should contact your local AZ MVD to get find out the steps to obtain this license and documents you must bring with you when you turn in your application.

To obtain Arizona auto insurance for your motor vehicle, click here for affordable car insurance quotes.

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Question Details
This car insurance question was asked on 3/28/2008
This auto insurance answer was last updated on 4/1/2008
Dman requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
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