Arizona Minimum Car Insurance Requirements
Arizona requires drivers to carry liability insurance: $15,000 bodily injury per person, $30,000 per accident, and $10,000 property damage. No insurance = license suspension, fines up to $500, and possible jail time.
Proof of insurance must be shown during traffic stops. Digital proof on your phone is acceptable in Arizona.
Can Immigrants Get a 驾照 in Arizona?
Arizona does NOT issue licenses to undocumented immigrants. You need a valid SSN or ITIN to apply. However, you can still get car insurance without a license using an ITIN number.
If you have legal status or a work visa, bring your passport, proof of Arizona residency, and SSN or ITIN to your local Arizona MVD office to apply.
Best Insurance Options for Immigrants in Arizona
Major insurers like State Farm, Geico, and Progressive accept ITIN numbers in Arizona instead of SSN. You do NOT need a driver license to get a quote or buy a policy.
Buying insurance does NOT report you to ICE. Insurance companies must protect your privacy under federal law (Gramm-Leach-Bliley Act). Get quotes from 3+ companies because rates vary widely.
Tips for Immigrant Drivers in Arizona
Keep proof of insurance printed in your car at all times. Arizona police check insurance during traffic stops. Your ITIN-based policy is fully valid legally.
If stopped and you don't have a license, remain calm and polite. You can still show proof of insurance. 联系我们 a local immigrant legal aid organization if you need help understanding your rights.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $15,000 | Arizona state minimum |
| Bodily Injury (per accident) | $30,000 | Arizona state minimum |
| Property Damage | $10,000 | Arizona state minimum |
| Uninsured Motorist (BI per person) | $15,000 | Required in Arizona |
| Uninsured Motorist (BI per accident) | $30,000 | Required in Arizona |
| Uninsured Motorist (PD) | $10,000 | Required in Arizona |
| Underinsured Motorist | Same as UM limits | Required in Arizona |
📋 Official Sources
Frequently Asked 常见问题
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Arizona insurers accept ITIN for quotes and policies. Insurance companies do not share your data with ICE.
No. Arizona does not issue licenses to undocumented immigrants. You need proof of legal status. Check Arizona DMV for current requirements.
Arizona requires: 15,000 bodily injury per person, 30,000 per accident, 10,000 property damage. Uninsured motorist coverage also required.
State Farm, Geico, Progressive, and Allstate accept ITIN. Get quotes from multiple companies. Rates vary by age, driving history, and vehicle.
Arizona may accept foreign license temporarily if valid. Most insurers require US/Arizona license for full coverage. Ask insurer directly.
