Arizona drivers must have proof of financial responsibility when operating a motor vehicle on Arizona highways. Most of us demonstrate our financial responsibility by purchasing an auto insurance policy. If you simply have questions about Arizona's auto insurance rules, we hope we've answered them here. Like most states, Arizona requires that all motor vehicles in circulation be covered by an auto insurance policy that meets certain minimum requirements, should the vehicle be involved in a traffic accident.
This means that the person who was at fault for causing the car accident is also responsible for any resulting damage (from a practical point of view, the at-fault driver's insurance company will absorb these losses, up to the limits of the policy). For more information on Arizona car insurance regulations, directly from the state, see the Arizona Department of Transportation's frequently asked questions about mandatory auto insurance and its vehicle insurance information portal. Of course, these penalties are likely to pale in comparison to the financial impact you could suffer if you were in a car accident and didn't have car insurance.