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Question: What is the fine for driving without insurance?

Answer: The No Insurance law in Arizona (ARS 28-4135) carries a civil, not criminal, penalty. The fines for breaking this law have a 77% surcharge added to them and some courts also add "user fees", so the actual fine is usually more than what is listed below. The penalties are as follows:

1st Offense - $250 fine with surcharge = $442.50 The Judge can also suspend your license and registration for Three Months, although this is seldom done on a first offense.

2nd Offense - $500 with surcharges = $885.00 Drivers license and registration suspension for Six Months is sometimes given on second offenses.

3rd Offense - $ 750 with surcharges = $ 1,327.50 A one-year license and registration suspension is required.

The law contains a provision (ARS 28-4137) that allows the Judge to waive some or all of the fines if you bring proof to court showing you have purchased a six-month insurance policy on the vehicle. Often the Court will reschedule the case for about a month to give you a chance to get the insurance, since the main reason for the law is to make sure everyone is driving with insurance. You are better off using your money to get insurance than to keep paying big fines for not having it.
Comments
6 thru 10 of 15 comments
On 06/10/04
tricia from IN said:
i just got into an accident with a driver with no insurance and now i have medical bills and rental car fees and cant get a hold of the driver what do i do?
On 04/23/04
Carrie from IN said:
I hope they charged you a large amount of fines and took your license and what ever else they could have done. You need to take responsibility for you actions. People like you are the reason that us good people have to pay way too much for our auto insurance.
On 04/23/04
carrie from IN said:
Sandra, you should not have been driving if you did not have insurance. It is against the law. They should have impounded your vehicle and I honestly hope they suspend your license for a very long time.
On 04/06/04
abc from NJ said:
The State says its a fine anywhere between $300-$1000, plus a mandatory one year loss of license. Need to hire an attorney and see if they can change the violation to failure to produce insurance card.
On 02/29/04
Sandra from CO said:
what happens if you get pull over for expiered tags and no insurance
6 thru 10 of 15 comments


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