Non-owner car insurance in Arizona

Who provides non-owner insurance in Arizona?

We compared rates from 5 companies, listed from the least expensive up. USAA charges $288, but its policies are only for military families.

Minimum coverage in Arizona when you do not own a car

Arizona Revised Statutes section 28-4009 sets these minimums for every policy issued or renewed from July 1, 2020 on. A crash that harms or kills a single person requires a payout of $25,000; when two or more are hurt or killed, it must pay $50,000. The lowest coverage for property you damage is $15,000. You can read the entire text on the Arizona Legislature's page for A.R.S. 28-4009.

Those amounts are the least you can carry, not the most. Higher limits are available on a non-owner policy when you drive a lot or borrow cars that are newer.

What does MVD do about future financial responsibility?

An SR-22 is a filing your insurer makes with the state to show that the liability coverage the law demands is in force. Arizona’s MVD wants one after a drug- or alcohol-related revocation, a court conviction for DUI, refusing a test, or a no-insurance offense under A.R.S. 28-4135. Every one of these situations calls for 3 years of filing. The timeline begins when the revocation or suspension ends, or for an insurance offense, on the earliest day you can reinstate.

A crash judgment that goes unpaid adds more time: it lasts for the judgment’s full term, then 2 extra years after payment. The MVD future financial responsibility page shows each of these timeframes. Once your own time has passed, you need to do nothing. Your insurer, however, may continue filing, so you should ask it to stop.

A policy is not the only option; cash works too. The State Treasurer will certify a deposit of $40,000 in cash or certificates of deposit to serve as proof, according to A.R.S. 28-4084.

If an Arizona SR-22 policy lapses, what happens next?

The MVD in Arizona explicitly calls out the non-owner policy: your SR-22 is tied to it when you have no car. The state refers to the filing as future financial responsibility, and MVD removes the requirement automatically when your period ends.

Within seven days of processing a cancellation or nonrenewal, insurers in Arizona must report it to the state, following A.R.S. 28-4148. They must also notify you that the report was submitted. After MVD receives word, it can suspend your license at once.

To get back on the road, you need a new SR-22 sent electronically and must pay a $10 suspension fee. You can pay it online, at a Third Party location, or at an MVD office. If your license was revoked, the reinstatement fee is twenty dollars, as stated in A.R.S. 28-3002. You can check your own status on AZ MVD Now’s Compliance Issues Timeline.

What Arizona drivers pay, by age

A teenager can expect to pay about $2,021 each year. At age 40, a driver owning a car with minimum limits pays about $768 a year, which is roughly $116 more than the $652 price of a non-owner policy.