Verified A.R.S. §28-4135 · Checked July 2026 · 2 sources
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
By Mario Bailey
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.
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.
Read next
- No Proof of Insurance Ticket: Cost and How to Dismiss It
- Florida license suspension for no insurance: the timeline, the fee ladder, and the way out
- Can you go to jail for driving without insurance? Where jail is on the statute's face, and where it is not, in 14 states
- Accident without insurance: what happens to your license
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General legal information, not legal advice. Statutes and penalty schedules summarized from the sources above as of July 2026.