Arizona No Insurance Ticket: $500 Minimum (2026)

What a no-insurance ticket costs in Arizona

Citation data · First offense A.R.S. §28-4135

$500 minimum civil penalty

Arizona’s mandatory-insurance statute sets a minimum civil penalty of $500 for a first violation, and driving privileges are restricted for three months once the department acts on the judgment (A.R.S. §28-4135).

Verified July 2026

What to do now

1

Get a policy now

The court must impose a civil penalty of at least $500 for a first violation of A.R.S. §28-4135; a second within 36 months carries at least $750, and a third at least $1,000.
2

Expect the license action

Driving privileges are restricted for three months on a first violation; a second violation within 36 months brings a six-month suspension of license, registration, and plates, and a third brings a one-year suspension.
3

File the SR-22 to reinstate

Reinstatement after a suspension under §28-4135 requires filing proof of financial responsibility with the department.

Insurance impact: A first violation restricts driving privileges for three months, repeats within 36 months bring six-month and one-year suspensions of license, registration, and plates, and reinstatement requires an SR-22 filing.

$750–$1,000 minimum Repeat offense

3-month restriction (1st) License / registration

Repeat offenses

A second violation within 36 months carries a minimum $750 civil penalty and a six-month suspension of license, registration, and plates; a third or subsequent violation within 36 months, a minimum $1,000 penalty and a one-year suspension.

Is driving without insurance a misdemeanor in Arizona?

No, it is a civil traffic violation, not a crime. The court imposes the $500/$750/$1,000 minimum-penalty schedule and the department acts against the license, registration, and plates.

What happens beyond the fine

First violation: a three-month restriction of driving privileges. Second within 36 months: six-month suspension of license, registration, and plates. Third or subsequent: one-year suspension (A.R.S. §28-4135).

Reinstatement after a suspension under §28-4135 requires filing proof of financial responsibility with the department, the SR-22 filing.

Frequently asked questions

How much is a no-insurance ticket in Arizona?

The court must impose a civil penalty of at least $500 for a first violation of A.R.S. §28-4135, at least $750 for a second within 36 months, and at least $1,000 for a third or subsequent violation.

Do you lose your license for driving without insurance in Arizona?

Driving privileges are restricted for three months on a first violation; a second violation within 36 months brings a six-month suspension of license, registration, and plates, and a third brings a one-year suspension.

Sources

This summary was checked against the following sources on the date shown above. Fines and fees change, verify before relying on specifics.

Other tickets in Arizona

Driving Without Insurance: other states

General legal information, not legal advice. Statutes and penalty schedules summarized from the sources above as of July 2026.