SR-22 Insurance in Arizona (2025 Guide)
Quick answer: An SR-22 is not a policy, but a filing your insurer submits to the Arizona MVD to prove minimum liability coverage. It’s required after certain violations (DUI, no insurance, points). Rates vary—often higher than standard—but you can file your SR-22 and get quotes here.
Average SR-22 Insurance Cost in Arizona
Costs depend on your violation type (DUI vs. no insurance), age, vehicle, and location (Phoenix, Tucson, Mesa differ). Expect a small filing fee plus a higher base rate. Get your city-specific rate.
What Is an SR-22 in Arizona?
- Certificate of responsibility proving you meet state minimums.
- Required after violations like DUI, uninsured driving, or excessive points.
- Lapses reset the clock—continuous coverage is key.
How to Get SR-22 Insurance in Arizona
- Quote a policy with SR-22 filing.
- Bind the policy and pay filing fee.
- We submit the SR-22 to the Arizona MVD electronically.
Once filed, your license can be reinstated or kept valid. File your SR-22 today.
Best Home + Auto Insurance Options for Arizona Homeowners
New homeowners often need both homeowners insurance and auto coverage. Bundling them can unlock big savings—even with an SR-22 filing. We recommend reviewing:
- Multi-policy discounts: Combine home + auto and save 15–25% on average.
- Coverage balance: Ensure both home rebuild cost and liability on auto are set correctly.
- SR-22 bundle friendly carriers: Not all carriers allow SR-22 + home bundles. We know which ones do.
- Future-proofing: As your SR-22 period ends, carriers may offer better pricing if you’re already bundled.
Explore Arizona home & auto bundle options or Phoenix auto insurance choices for the best fit.
Ways to Save on SR-22 Insurance in Arizona
- Shop multiple carriers (we’ll shop for you).
- Ask about telematics/safe-driver programs.
- Consider higher deductibles if budget allows.
- Non-owner SR-22 if you don’t own a car.
- Maintain continuous coverage—avoid lapses.
Helpful Links
Arizona SR-22 FAQs
How much is SR-22 insurance in Arizona?
It depends on violation, location, and vehicle. Expect higher rates plus a filing fee. Get your price.
Is SR-22 a policy or just a form?
It’s a filing attached to a policy. Without active insurance, the SR-22 lapses.
How long do I need SR-22 insurance in Arizona?
Typically 3 years, but depends on violation. Any lapse resets the clock.
Can I get SR-22 without owning a car?
Yes—choose a non-owner SR-22. Request a non-owner quote.
What if my SR-22 policy cancels?
Your insurer notifies the state and license may be suspended. Avoid lapses with autopay.
Does SR-22 cover business or rideshare use?
No—separate endorsements or policies are required for Uber, Lyft, or business driving.
Last Updated on by Jayleen Ridgeway