Arizona SR-22 Auto Insurance
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SR-22 Insurance — Arizona

Arizona requires 25/50/15 liability coverage and is an at-fault state.

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Arizona at a Glance

25/50/15

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

$10

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Arizona

Arizona operates under a tort liability system, meaning the at-fault driver's insurance pays for damages. Arizona law requires continuous proof of financial responsibility — if your license was suspended for driving uninsured, lapse in coverage, or DUI, you must file an SR-22 certificate with Arizona Motor Vehicle Division (MVD) before reinstatement. The SR-22 filing period is 3 years from the reinstatement date, not the violation date.

Liability Insurance

This is among the lowest state minimums in the country. Suspended drivers reinstating with SR-22 should consider higher limits.

SR-22 Certificate

Arizona MVD requires SR-22 filing for license reinstatement following DUI, uninsured driving, excessive points (8 points in 12 months), or failure to satisfy a judgment. Your insurer files the SR-22 electronically with MVD. If your policy lapses or cancels during the 3-year period, the insurer notifies MVD within 15 days and your license suspends again immediately. No grace period.

Non-Owner SR-22

Arizona allows non-owner SR-22 policies for suspended drivers who do not own a vehicle but need to satisfy reinstatement requirements. This covers you when driving borrowed or rental vehicles. If you purchase a vehicle during the filing period, you must switch to a standard policy immediately.

Uninsured Motorist Coverage

UM coverage pays your medical bills and lost wages when an at-fault driver has no insurance. Rejection must be made in writing at policy inception; verbal rejection is invalid and the coverage is added automatically if the form is not completed.

Comprehensive and Collision

Arizona does not require physical damage coverage unless you have an auto loan or lease. Comprehensive covers theft, vandalism, weather, and animal strikes; collision covers crash damage regardless of fault. Phoenix metro has elevated vehicle theft rates, particularly for trucks and SUVs.

What Drivers Pay in Arizona

$225–$414/mo

Typical monthly rate in Arizona, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Lapse in coverage during the SR-22 filing period triggers immediate suspension and requires a new 3-year filing period starting from the date of reinstatement.
  • Switching carriers during the SR-22 period requires the new insurer to file before the old policy cancels — a gap of even one day restarts your suspension and filing period.
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If your license is suspended

Restricted Driver Permit (DUI: Special Ignition Interlock Restricted License)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

How long do I need SR-22 in Arizona after a DUI?

Arizona requires SR-22 filing for 3 years after license reinstatement following a DUI conviction. The 3-year period starts on the date Arizona MVD reinstates your license, not the conviction date or suspension start date. If your policy lapses at any point during those 3 years, MVD suspends your license again immediately and the 3-year period restarts from the new reinstatement date.

What happens if my SR-22 insurance lapses in Arizona?

Your insurer notifies Arizona MVD electronically within 15 days of policy cancellation or lapse. MVD suspends your license immediately — there is no grace period or warning letter. Reinstatement requires paying a suspension fee, filing a new SR-22, and restarting the full 3-year filing period from the new reinstatement date.

Does Arizona require SR-22 for suspended license due to unpaid tickets?

Not always. Arizona MVD requires SR-22 only for specific violation types: DUI, uninsured driving, excessive points (8 points in 12 months), failure to satisfy a judgment, or driving during suspension. Suspension for unpaid tickets or failure to appear typically requires paying the fines and reinstatement fee but not SR-22 filing unless one of the triggering violations is also present.

Can I switch insurance companies during my Arizona SR-22 filing period?

Yes, but the new insurer must file the SR-22 with Arizona MVD before your old policy cancels. A gap of even one day between policies triggers immediate suspension and restarts your 3-year filing requirement. Coordinate the switch carefully — have the new policy effective date before the old cancellation date and confirm MVD received the new SR-22 filing electronically.

Does Arizona offer hardship licenses during suspension?

Arizona offers restricted licenses for work, school, medical appointments, and court-ordered obligations after serving a minimum suspension period. DUI suspensions require 30-90 days served before restricted eligibility; other violations vary. You must maintain SR-22 insurance during the restricted period, install an ignition interlock device for DUI cases, and petition Arizona MVD with proof of necessity.

Coverage Types

SR-22 Insurance

Certificate of financial responsibility filed by your insurer with Arizona MVD. Required for 3 years after DUI, uninsured driving, excessive points, or judgment satisfaction failures.

Non-Owner SR-22

SR-22 policy for drivers who do not own a vehicle. Covers liability when driving borrowed or rental cars. Satisfies Arizona reinstatement requirements without insuring a specific vehicle.

Liability Insurance

Pays for injuries and property damage you cause to others. Arizona's 25/15/10 minimum is the foundation of any SR-22 filing.

Uninsured Motorist Coverage

Covers your medical bills and lost wages when an at-fault driver has no insurance. Not required in Arizona, but 13% of drivers statewide are uninsured.

Non-Standard Auto Insurance

Coverage for drivers standard carriers decline due to suspensions, DUI, lapses, or points. Specialty carriers write SR-22 policies others won't.

Full Coverage

Liability, comprehensive, collision, and uninsured motorist combined. Required for financed vehicles; optional otherwise.

Find Your City in Arizona

Phoenix

urban

Tucson

urban

Mesa

suburban

Chandler

suburban

Gilbert

suburban

Scottsdale

suburban

Tempe

suburban

Peoria

suburban

Surprise

suburban

Avondale

suburban

Goodyear

suburban

Flagstaff

urban