Arizona: Insurance and financial responsibility Practice Test
Arizona insurance requirements, proof of insurance and what happens without it.
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Questions are original and based on the official manual "Arizona Driver License Manual and Customer Service Guide" (Revised March 2026), Arizona Department of Transportation Motor Vehicle Division (ADOT MVD).
All 14 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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Every motor vehicle operated on Arizona roadways must be covered by a liability policy issued by what kind of company?
- A company that is licensed to do business in Arizona
- Any company licensed to do business in at least one other state
- A company approved by the local police department where you live
- A company that is owned and operated by the state government
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Correct answer: A company that is licensed to do business in Arizona
The manual says the insurance liability policy must be issued by a company licensed to do business in Arizona.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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An insurance policy covering a vehicle operated in Arizona must reflect what?
- Where the vehicle was originally purchased
- Where the policyholder was born
- Where the vehicle is predominantly being operated
- Where the insurance company's main office is located
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Correct answer: Where the vehicle is predominantly being operated
The policy must be an Arizona based policy reflecting where the vehicle is predominantly operated.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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What is the minimum bodily injury liability coverage for one person for a private passenger vehicle?
- $10,000
- $25,000
- $20,000
- $50,000
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Correct answer: $25,000
The manual lists $25,000 bodily injury liability for one person as the minimum.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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What is the minimum bodily injury liability coverage for two or more persons for a private passenger vehicle?
- $30,000
- $75,000
- $100,000
- $50,000
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Correct answer: $50,000
The minimum is $50,000 bodily injury liability for two or more persons.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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What is the minimum property damage liability coverage for a private passenger vehicle?
- $15,000
- $10,000
- $20,000
- $25,000
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Correct answer: $15,000
The manual states the minimum property damage liability is $15,000.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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What should you do if the VIN supplied by your insurance company does not match the VIN on your vehicle registration?
- Change the VIN on your registration yourself
- Wait for MVD to correct it at your next renewal
- Ask your insurance company to resubmit the correct VIN
- Cancel the policy and buy one from another insurer
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Correct answer: Ask your insurance company to resubmit the correct VIN
The manual says to ask your insurance company to resubmit the correct VIN.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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When must you have proof of current insurance in the vehicle?
- Only when you drive on freeways
- Whenever you operate the vehicle
- Only when the vehicle is being registered
- Only when you drive out of state
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Correct answer: Whenever you operate the vehicle
You must have proof of current insurance in the vehicle when operating it.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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When will law enforcement officers ask you for proof of insurance?
- Only when you renew your driver license
- Only at the time you first buy a vehicle
- Only when you visit an MVD office
- At the time of traffic stops or crashes
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Correct answer: At the time of traffic stops or crashes
The manual says officers ask for proof of insurance at traffic stops or crashes.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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If your insurance company sends MVD a notice that your policy is no longer active, what will MVD do?
- Send you an inquiry to verify your insurance status
- Immediately revoke your driver license without notice
- Issue you a replacement policy through the state
- Take no action until your registration expires
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Correct answer: Send you an inquiry to verify your insurance status
MVD sends the driver an inquiry to verify insurance status after a notice that the policy is no longer active.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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What could failing to maintain proper Arizona insurance with a correct VIN on file with MVD lead to?
- A requirement to retake the written knowledge test
- Cancellation of your voter registration
- Suspension of your vehicle registration and/or driver license
- Mandatory attendance at the Defensive Driving Program
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Correct answer: Suspension of your vehicle registration and/or driver license
The manual says it could lead to suspension of the vehicle registration and/or driver license.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 9
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After a revocation, what is a Certificate of Insurance that you may be required to file commonly known as?
- An SR-22
- An SR-1
- A DUI-8
- A TSS-12
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Correct answer: An SR-22
The manual says you may be required to file a Certificate of Insurance, commonly known as an SR-22.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 61
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How long is the suspension of the driving license, vehicle registration and license plates for a first violation of not having or failing to produce evidence of current financial responsibility in the vehicle?
- 3 months
- 1 month
- 6 months
- 1 year
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Correct answer: 3 months
A first violation brings a 3-month suspension of the driving license, vehicle registration and license plates.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 64
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How long is the suspension for a second violation within 36 months of not having or failing to produce evidence of current financial responsibility in the vehicle?
- 3 months
- 9 months
- 6 months
- 1 year
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Correct answer: 6 months
A second violation within 36 months brings a 6-month suspension.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 64
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How long is the suspension for a third or subsequent violation within 36 months of not having or failing to produce evidence of current financial responsibility in the vehicle?
- 6 months
- 1 year
- 2 years
- 90 days
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Correct answer: 1 year
A third or subsequent violation within 36 months brings a suspension of 1 year.
Source: Arizona Driver License Manual and Customer Service Guide (Revised March 2026), page 64