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In Arizona, drivers must carry auto insurance in their vehicle at all times and must show proof of insurance after an accident. Auto insurance is required at the time of vehicle registration, but the driver has 30 days from the time of the registration to prove the vehicle is insured. The state requires minimum injury and property damage liability coverage.

Your auto insurance policy must be written by an Arizona-authorized insurance company. The Arizona Department of Insurance website provides a search engine to check your insurance company's state status, which must be current.

If you are pulled over without auto insurance and it is your first offense, you may have to pay a fine of $250. However, subsequent offenses will lead to more stringent penalties, such as loss of driver's license and registration. To get your vehicle and driver's license returned, you may have to prove financial responsibility with SR-22 insurance, a more costly, at-risk auto insurance that must be kept on file with the Arizona DMV for three years.