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Key Takeaways

  • A $25 filing fee is required for your Arizona SR-22 insurance form.
  • It's unlikely that drivers with SR-22 coverage will be eligible for excellent driver discounts.
  • If the infraction is substantial, your typical auto insurance premiums might increase.

What is SR-22 Insurance

Arizona drivers who have been found guilty of certain major driving infractions must submit an SR-22 insurance document to have their licenses reinstated after being suspended. This document attests to the Arizona MVD that you comply with the legal obligation to maintain liability insurance.

Drivers who need an SR-22 pay around 40% more for insurance than other drivers, despite the SR-22 document only having a little charge.

How to get SR-22 Insurance

It's not too difficult to obtain an SR-22 for your auto insurance. If you already have coverage that is in effect, you might be able to contact your current insurer and request that it send the AZ MVD an SR-22 as an addition.

Though many insurance companies will cancel your coverage once they learn about your new SR-22 requirement, you might need to purchase a new insurance policy. After a serious driving event, such as a DUI, your premiums will likely go up even if your insurer doesn't cancel your coverage.

To obtain a lower cost, it's a good idea to inquire with various Arizona insurance providers.

When gathering quotes, be truthful about your circumstance and your answers to inquiries concerning your conviction. For example, some insurance companies specifically inquire if you require an SR-22, while others inquire about the situations that would necessitate such a document.

When your incident occurred, how long you went without insurance, and how long you had insurance before you lost coverage are all questions that insurers are likely to ask.

Furthermore, not all insurance companies supply SR-22 coverage, so you need to contact several firms to find an SR-22 insurer. The Arizona Automobile Insurance Plan, a unique program that matches high-risk drivers with interested insurers, is an additional choice to think about.

How long will I need the SR-22?

The Arizona Motor Vehicle Services will typically require an SR-22 for three years before you can cancel the certificate. After that, you'll probably have to start the process over again if you let your insurance lapse or if it is canceled (for instance, due to nonpayment).

Verify that you are no longer obliged to carry the policy with the AZ MVD after the three-year mark has passed. Call your insurance provider to cancel the SR-22 after that. Not just for the three years following the revocation of your license, but for three consecutive years, you must keep the SR-22 on file. You risk fines or renewing your certificate for an additional three years if you unintentionally cancel the SR-22 too soon.

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The average cost of Arizona SR-22 insurance

Unfortunately, if you require an SR-22, your insurance premiums will increase significantly. After just one DUI, prices for drivers who require SR-22 insurance should climb by an average of 40%.

For Arizona drivers who need an SR-22, Progressive gave the most affordable rates, averaging $1191 for an annual quotation. Progressive has not only the lowest absolute pricing for our SR-22 drivers but also the lowest percentage increase: 33% after one DUI. For a driver needing an SR-22, USAA prices climbed by 166%.

To be sure you are selecting the finest option, you should constantly compare various quotes from insurance companies.

The easiest way to obtain affordable SR-22 insurance in Arizona is to compare prices from various insurance providers. It would be best to browse around to locate the most affordable SR-22 coverage because every insurance company has a different method of determining risk and setting prices.

Car Insurance Companies Annual Premium Annual Premium with SR-22 and DUI
Progressive $1341 $1644
CSAA $802 $1105
USAA $882 $1185
State Farm $1173 $1476
AARP $1344 $1647
Allstate $1794 $2097
Farmers $1933 $2236

Cost of SR-22 Insurance in Arizona - City wise

City Price
Vail $183
San Tan Valley $171
Safford $189
Gold Canyon $189
Tuba City $192
Bullhead City $174
Picture Rocks $195
Saddlebrooke $180
Scottsdale $165
Green Valley $165

Filing Arizona SR-22

All motorists in Arizona are required to carry liability insurance.

The bare minimums of liability protection are:

  • Bodily injury liability for one individual of $25,000
  • $50,000 for two or more injuries to the body
  • Property damage liability of $15,000

A driver may need to keep an SR-22 certificate of insurance as proof of future financial obligation in certain situations, according to the Arizona Department of Transportation (ADOT).

An SR-22 is a document submitted to the ADOT, not a kind of insurance. It means that for three (3) years, you'll keep your liability insurance at the minimal levels required by state law.

After a license has been suspended for an alcohol- or drug-related conviction like DUI, an SR-22 certificate of insurance is typically needed. If you break Arizona auto insurance rules, the ADOT may also demand an SR-22.

For instance, you can be required to have an SR22 (proof of future financial responsibility) on file for three (3) years if you refuse to furnish insurance when asked by law enforcement or if you are in an accident and don't have insurance.

Arizona SR-22 Requirements

The minimum coverage requirements set forth by Arizona law are listed below. Policyholders can acquire more coverage if they worry about their protection level.

The most any individual might be awarded for physical harm they suffered in a car collision is $15,000. The policy's maximum coverage for all physical injuries to all people is $30,000.

This indicates that if multiple people are hurt in the accident, those who file a claim will receive the above compensation. The remaining parties will have to launch a lawsuit to receive sums over this amount once the total payment has been reached.

$10,000 has been paid out in total for property damage.

You have two choices if you need to submit evidence of future financial responsibility:

  • Obtain an SR-22 from an authorized insurance agency, then hold onto the document for three (3) years.
  • Obtain a certificate demonstrating a deposit of $40,000 in cash or certificates of deposit from the Arizona Office of Treasurer.

Your license and registration will be suspended if the SR-22 certificate of insurance is not kept on file for the required three (3) years.

When do I need SR-22 insurance in Arizona?

An SR-22 is a form that an insurance provider in Arizona submits to the department of motor vehicles. The document serves as proof that you have insurance coverage and obliges your insurer to inform the Arizona MVD if your insurance policy is canceled. Even while an SR-22 is not legally a new type of insurance, it is frequently referred to as such if it has been filed with the state.

The most frequent SR-22 filing requirements are for DUI and driving without insurance, both of which are major traffic violations. Both infractions frequently result in suspension or revocation; to get your license back, you'll need to submit an SR-22.

However, in some circumstances, such as when you have too many points on your license or too many unpaid citations, a judge might rule that you must obtain an SR-22.

Reasons you may be required to file an SR-22

  • DUI
  • License revoked or suspended
  • Driving while uninsured
  • Outstanding tickets
  • Repeated minor infractions, including speeding tickets
  • The license has too many points.

Non-owner SR-22 insurance in Arizona

Even if you previously went without insurance, getting a DUI while operating someone else's car may compel you to obtain an SR-22 to restore your license. You will need to get SR-22 non-owner insurance in this situation.

Drivers who commit serious traffic offenses risk having their licenses suspended. Even if they don't possess a car, they might need to submit an SR-22 to prove they have car insurance to get their license back.

The greatest and most cost-effective alternative for Arizona drivers without cars is non-owner auto insurance. These contracts can assist in demonstrating liability insurance coverage and safeguarding drivers who frequently use rented or borrowed cars or other non-own vehicles.

Because non-owner coverage excludes coverage for a car, it is typically less expensive than standard auto insurance. Additionally, it is less expensive because it assumes you won't drive as much as someone who has a car and uses it frequently.

(A driver from Arizona with a DUI who wanted 50/100/50 coverage, $100,000 in bodily injury liability per accident with a $50,000 maximum per person, and $50,000 in property damage liability per accident received quotes from Way.com based on a sample profile.)

The average annual cost of non-owner auto insurance in Arizona is $997, but this might change depending on the insurer. For example, state Farm offers non-owner auto insurance premiums at an average cost of $420 per year, making it the least expensive alternative in the state. Travelers come next, with average annual fees of $591.

Car Insurance Companies Annual Premium
State Farm $420
Travelers $591
Progressive $615
USAA $870
Nationwide $990
Farmers $1020
MetLife $2652

How an SR-22 impacts your insurance in Arizona

You must retain SR-22 insurance for three years beginning on the day you become eligible to have your driving privileges reinstated, according to the Arizona MVD. You will unquestionably pay more for insurance during this time than you would if you didn't have an SR-22.

Your SR-22 certificate will be void, and you will lose access to your driver's license and vehicle registration until you obtain new insurance. If you have another accident or conduct any additional violations within those three years, you can also experience these suspensions.

Finding insurance can be more challenging when you have an SR-22. It's more crucial than ever to take your time and look around for the greatest offers you can find because there will be fewer quotations available to explore, and the rates will be much higher.

Your three-year SR-22 requirement may be extended if your insurance expires or you commit another felony. Don't be alarmed by the SR-22 requirement's additional restrictions.

Yes, the costs will be higher, and yes, you will have to go through a few more hoops, but you can still compare prices.

Way.com is the quickest and easiest way to compare insurance rates in Arizona. Way.com will handle the phone calls, paperwork, and renewals for your preferred option after giving you a thorough cross-analysis of the best plans from up to 130 providers, so you don't have to.

Bottom-line

When an Arizona motorist is found guilty of a significant traffic infraction, such as operating a vehicle while their license is suspended, their auto insurance company must submit an SR-22 form to the government. This document attests that the policy satisfies Arizona's basic standards for auto insurance.

Because it insures drivers with serious infractions like DUI, SR-22 insurance is more expensive than standard auto insurance.

For most drivers in Arizona, Progressive offers the most affordable SR-22 insurance, with average annual premiums of $580 for the required DUI protection.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

What Arizona drivers need an SR-22?

When an Arizona motorist is found guilty of a significant traffic infraction, such as operating a vehicle while their license is suspended, their auto insurance company must submit an SR-22 form to the government.

Where can Arizona drivers get an SR-22?

You can obtain an SR-22 from an authorized insurance agency, then hold onto the document for three (3) years. Or you can get a certificate demonstrating a deposit of $40,000 in cash or certificates of deposit from the Arizona Office of Treasurer.

Is SR-22 expensive in Arizona?

The cost of SR-22 insurance is higher than that of a typical auto insurance policy. For example, in Arizona, a minimum SR-22 coverage with a DUI typically costs $958 per year, as opposed to an average of $631 annually for drivers with spotless records.

Which company in Arizona is the cheapest for SR-22 insurance?

For Arizona drivers who need an SR-22, Progressive gave the most affordable rates, averaging $1191 for an annual quotation. Progressive has not only the lowest absolute pricing for our SR-22 drivers but also the lowest percentage increase: 33% after one DUI. For a driver needing an SR-22, USAA prices climbed by 166%.

How long do you need SR-22 insurance in Arizona?

The Arizona Motor Vehicle Services will typically require an SR-22 for three years before you can cancel the certificate. After that, you'll probably have to start the process over again if you let your insurance lapse or if it is canceled (for instance, due to nonpayment).

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