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What Is SR-22 Insurance in Arizona and How Much Does It Cost?

When you’re convicted of a serious traffic violation and your driver’s license is suspended or revoked, the Arizona Motor Vehicle Division (AZ MVD) will require you to purchase car insurance with SR-22 filing before reinstating your license. SR-22 filing costs around $25, but the actual car insurance premiums are higher than average. Generally, you must maintain SR-22 filing for 3 years.

What Is SR-22 Insurance in Arizona?

It’s often called “SR-22 insurance,” but SR-22 isn’t a type of car insurance. Instead, SR-22 is an insurance filing requirement. SR-22 is a financial document you or your insurance company files with the Arizona Motor Vehicle Division (AZ MVD) after you’re convicted of a serious traffic offense. The SR-22 proves you’ve purchased and are maintaining Arizona’s minimum liability insurance requirements.
SR-22 doesn’t cost much — the average filing fee is $25 — but your car insurance rates will increase. The AZ MVD requires you to maintain it for 3 years.

When Do You Need an SR-22 in Arizona?

When you’re convicted of a serious traffic offense and the AZ MVD suspends or revokes your driver’s license, you must purchase a car insurance policy with an SR-22 filing requirement.

In Arizona, the most common reasons for SR-22 filing are:

  • Alcohol- and drug-related violations (DUI).
  • Implied Consent violations.
    • Refusing the test to determine the alcohol or drugs in your body.
  • Mandatory Insurance violations.
    • Think driving with no insurance and being in a car accident with no insurance.

However, the AZ MVD can require SR-22 filing for other serious traffic offenses, such as:

  • At-fault accident.
  • Significant speeding.
  • Careless or reckless driving.
  • Driving with a suspended license.

When you’re convicted of these kinds of offenses, you’re labeled a “high-risk driver” and the AZ MVD suspends or revokes your driver’s license. The AZ MVD will reinstate your driver’s license once you file SR-22 and complete other license reinstatement requirements.

How Much Does SR-22 Insurance Cost in Arizona?

Firstly, understand that you aren’t buying more insurance when you have to file SR-22. You’re buying the same minimum liability requirements as any other Arizona driver. However, your premiums will be higher because you’re now considered a high-risk driver. You’ll have to pay an SR-22 filing fee (generally around $25).
Secondly, the AZ MVD requires SR-22 most often after an alcohol- or drug-related offense and license revocation. Let’s take a look at how AZ car insurance rates increase after a DUI conviction.

Insurance ProviderAverage AZ Annual Rate After DUI
American Family$2,356
State Farm$2,982

Progressive is the most affordable insurance provider if you have a DUI, followed by Farmers. USAA is the next cheapest except they only cater to members of the military and veterans. Here are other insurance providers to consider if you have a DUI.

Finally, you might be required to file SR-22 certification after other serious offenses, so let’s look at how those average premiums line up.

OffenseAverage AZ Annual Rate% Increase
At Fault Accident$1,95556.0%
Speeding Ticket$1,71336.7%

The best way to get the cheapest SR-22 insurance is to shop around. After you are able to drop the filing requirement, you should also shop again. We’ve compared some of the highest rated insurance companies for high-risk drivers for you. Take a look at important factors like financial strength, coverage options, and claims and customer satisfaction to choose the best company.

How Does SR-22 in Arizona Work?

You’ll find — aside from the more expensive premiums — buying car insurance with SR-22 filing isn’t that much different from buying regular auto insurance:

  • When the AZ MVD notifies you of your SR-22 filing requirement, you can purchase SR-22 from any insurance provider authorized in Arizona.
    • This means you can stay with your current provider or, if you find better rates elsewhere, go with another company.
    • Remember to tell your agent if you need a Non-Owner SR-22 Insurance policy if you don’t have a car right now.
  • File the SR-22 certification with the AZ MVD.
    • Usually, the car insurance company handles this for you.
    • Don’t drive until the SR-22 certification is filed, you’ve met all other license reinstatement requirements, and the AZ MVD has restored your driver’s license.
  • Maintain the SR-22 filing for 3 years (unless otherwise directed by the AZ MVD).

Understand that if you fail to maintain SR-22 filing, your car insurance provider will notify the state and the AZ MVD will suspend both your driver’s license and your car registration.

Once you’ve completed your SR-22 coverage period, you can start comparing auto insurance quotes to find more affordable coverage. Also, be sure to use our guide to find the best cheap car insurance in Arizona.

Final Thoughts

The bad news is that SR-22 coverage premiums are higher than typical car insurance rates; the good news is that it costs only about $25 to file the certification and you only need to keep it for 3 years. Once your SR-22 filing period is up, you can shop around for more affordable car insurance.

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