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Arizona Insurance Laws and Regulations

The Arizona Department of Insurance develops and enforces insurance laws. Consumers can contact the department with questions and complaints about their auto and home insurance. If you are not receiving the service you expect from an insurer, you can click this link to file a complaint against an insurer with the Department of Insurance. The department accepts complaints but unfortunately does not publish either raw or compiled complaint data for consumers of auto and home insurance to reference when buying insurance.

Important Laws

A summary of the driving safety laws in the state of Arizona can be found by clicking this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Arizona.

The Arizona Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Arizona has minimum auto insurance amounts that are required by law. The table below shows the AZ minimum car insurance limits.

Resources Available to Consumers

The Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.