State Requirements
Arizona requires minimum liability coverage of 25/50/15: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage per accident. The state mandates SR-22 filing for DUI convictions, license suspensions due to points accumulation, driving without insurance, and at-fault accidents while uninsured. Drivers with SR-22 requirements must maintain continuous coverage for 3 years from the date of filing, with any lapse triggering license re-suspension and restart of the filing period. Arizona does not use FR-44 filings—SR-22 is the only financial responsibility certification accepted by the Motor Vehicle Division.
Cost Overview
Arizona high-risk insurance premiums vary significantly based on violation type, driving history, age, and location. DUI convictions typically increase rates by 80%–140% above standard profiles, while multiple at-fault accidents or license suspensions result in 60%–100% surcharges. Urban areas like Phoenix and Tucson see higher rates due to increased accident frequency and uninsured driver concentration, while rural counties may offer slightly lower premiums but fewer carrier options.
What Affects Your Rate
- Violation type: DUI convictions carry 80%–140% surcharges while speeding tickets and minor violations add 20%–40%
- Years since violation: Rates decrease 15%–25% annually as violations age, with most surcharges removed after 3–5 years
- Geographic location: Phoenix metro rates run 20%–35% higher than rural Arizona due to accident density and theft rates
- Age and experience: Drivers under 25 with SR-22 requirements face combined surcharges of 150%–200% above standard adult rates
- Prior insurance history: Coverage lapses exceeding 30 days add 10%–20% to premiums even after obtaining SR-22
- Credit score: Arizona allows credit-based insurance scoring, adding 30%–60% to premiums for poor credit combined with SR-22 status
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Get Your Free QuoteCoverage Types
Liability Insurance
Mandatory coverage for bodily injury and property damage you cause to others. Forms the legal foundation of any SR-22 policy in Arizona and must meet minimum 25/50/15 limits to reinstate your license.
SR-22 Filing
Electronic certificate proving continuous insurance filed by your carrier to the Arizona MVD. Required for 3 years following DUI, suspension, or major violation with any lapse restarting the full filing period.
Uninsured Motorist Coverage
Optional coverage protecting you when hit by a driver with no insurance or insufficient limits to cover your injuries and damages. Requires signed rejection waiver to decline in Arizona.
Non-Standard Auto Insurance
Specialized coverage from carriers willing to write policies for drivers with DUI convictions, license suspensions, multiple violations, or SR-22 requirements that standard insurers decline.
Collision Coverage
Optional coverage repairing your vehicle after at-fault accidents or single-vehicle crashes. Required by lienholders but subject to higher deductibles for high-risk drivers.
Comprehensive Coverage
Optional coverage for theft, vandalism, weather damage, and animal strikes—non-driving risks. Arizona ranks 6th nationally for vehicle theft making this coverage valuable despite your driving record.
