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

Arizona requires 25/15/10 liability minimums — $25,000 per person, $15,000 per accident for bodily injury, $10,000 for property damage. SR-22 filing costs $25-$50; insurance with SR-22 runs $110-$180/month for suspended license drivers. Reinstatement through Arizona MVD requires proof of future financial responsibility for 3 years.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated June 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.

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Liability Insurance
Arizona requires $25,000 bodily injury per person, $15,000 per accident, and $10,000 property damage. This is among the lowest state minimums in the country. One serious accident can exceed these limits in seconds — a single ambulance trip and ER visit often costs $15,000-$25,000, exhausting the per-person limit before any treatment begins. 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. Non-owner policies cost $40-$80/month, significantly less than standard policies, but provide no coverage for a vehicle you own or regularly use. If you purchase a vehicle during the filing period, you must switch to a standard policy immediately.
Uninsured Motorist Coverage
Arizona does not require uninsured motorist (UM) coverage, but approximately 13% of Arizona drivers are uninsured — one of the higher rates in the Southwest. 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. If your vehicle is worth less than $4,000, the premium often exceeds the potential payout after deductible.

How Much Does Car Insurance Cost in Arizona?

Arizona SR-22 rates are driven by the underlying violation, not the filing itself. DUI suspensions carry the highest premiums; uninsured driving and point accumulation suspensions cost less. Urban zip codes in Phoenix and Tucson run 15-25% higher than rural areas due to claim frequency.

What Affects Your Rate

  • DUI suspension adds 80-140% to base premium for 3-5 years in Arizona, depending on BAC level and prior violations.
  • Phoenix zip codes 85009, 85031, and 85035 average 18-22% higher premiums than Scottsdale or Chandler due to theft and collision claim density.
  • Drivers under 25 with SR-22 pay an additional 30-50% over standard SR-22 rates; Arizona does not offer good student discounts for suspended license drivers.
  • 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.
  • Non-owner SR-22 policies cost $40-$80/month, roughly 50-65% less than standard SR-22 policies, because they exclude physical damage and regular-use vehicle coverage.
  • 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.
Minimum Coverage
$110-$150/mo
State minimum 25/15/10 liability with SR-22 filing. Covers legal reinstatement but leaves you financially exposed in any serious accident.
Standard Coverage
$145-$200/mo
50/100/50 liability plus uninsured motorist coverage. Balances affordability with protection against Arizona's 13% uninsured driver rate.
Full Coverage
$190-$280/mo
100/300/100 liability, UM, comprehensive, and collision with $500 deductible. Required for financed vehicles; advisable for vehicles worth over $8,000.

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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, Arizona cityscape and street view

Phoenix

urban
Tucson, Arizona cityscape and street view

Tucson

urban
Mesa, Arizona cityscape and street view

Mesa

suburban
Chandler, Arizona cityscape and street view

Chandler

suburban
Gilbert, Arizona cityscape and street view

Gilbert

suburban
Scottsdale, Arizona cityscape and street view

Scottsdale

suburban
Tempe, Arizona cityscape and street view

Tempe

suburban
Desert landscape with saguaro cacti and mountain ranges under clear blue sky in the American Southwest

Peoria

suburban
Desert landscape with red rock formations and dramatic sunset sky over sparse vegetation and red soil

Surprise

suburban
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Avondale

suburban
Desert mountain landscape with red rock peaks and desert vegetation in foreground

Goodyear

suburban
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Flagstaff

urban

Frequently Asked Questions

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