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Arizona

AZ

Telecom Compliance Reference — Updated January 2000

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$1,000

Registration

Required

OverviewCalling HoursConsentRegistrationDNCEnforcementCase LawLegislation

Insurance Telemarketing Compliance in Arizona

Insurance agency telemarketing and lead generation compliance in Arizona

Guide last reviewed: January 2025

⚠

Mini-TCPA State — A.R.S. § 44-1271 et seq.

Arizona imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $1,000 per-violation penalties.

Arizona Insurance Overview

Insurance telemarketing in Arizona follows both state registration requirements and federal TCPA/CMS rules. The state requires registration and a $25,000 bond. The private right of action exists but is less commonly used for insurance than REI or solar. Critical Arizona detail: no DST means time zone math changes twice yearly for callers outside Arizona. Register, bond, scrub DNC lists, and get consent for automated outreach.

Penalty/Violation

$1,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Register with Arizona Secretary of State as telemarketer if making solicitation calls,Post $25,000 surety bond,Licensed insurance agents calling existing policyholders may have limited exemptions,Prior express written consent required for automated calls and texts to prospects,Scrub AZ DNC list AND federal NDNC before outbound campaigns,Medicare/Medicaid: follow CMS marketing rules during AEP/OEP,Arizona does NOT observe DST — verify time zones before calling,Honor opt-out requests immediately,Identify yourself, company, and purpose within first minute

What Gets Companies Sued

✗Common violations for insurance in Arizona: (1) Automated dialing to Medicare leads without written consent; (2) Failing to register with the state; (3) Calling DNC numbers; (4) Using purchased lead lists with bundled consent; (5) Time zone errors due to Arizona not observing DST.

Special Exemptions

Licensed agents calling existing policyholders about current policy matters may be partially exempt. EBR for existing customers within 18 months.

Key State Rules

Mini-TCPAYes
RegistrationRequired
Class ActionsNot specified
Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Arizona

Sunbelt Insurance Leads LLC

$210,000

Dec 2023

dnc violationno consent

Insurance lead generator fined for DNC violations.

All enforcement actions in Arizona →

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Catalyst Partners specializes in telecom compliance for Insurance companies operating in Arizona and across the country. We build the systems, you make the calls.

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →