Arizona SR-22 & High-Risk Auto Insurance
Arizona requires 25/50/15 liability coverage and is an at-fault state.
Find SR-22 Coverage NowArizona 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
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$335–$414/mo
Typical monthly rate in Arizona, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf 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 from your license reinstatement date following a DUI conviction. The 3-year period restarts from the beginning if your insurance lapses at any point during the requirement. Most DUI convictions also involve ignition interlock device requirements that run concurrently with SR-22 filing for first-time offenders.
Which insurance companies offer SR-22 in Arizona?
Non-standard carriers operating in Arizona include Bristol West, Acceptance Insurance, The General, Progressive, and GEICO for some profiles. Standard carriers like State Farm and Allstate may file SR-22 for existing customers with clean prior history but typically decline new applicants with DUI or suspension. Independent agents specializing in high-risk coverage can quote multiple non-standard carriers simultaneously.
Coverage 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.