Common Reasons for SR-22 Insurance Requirements in Arizona

1. DUI or DWI Convictions: If you are convicted of Driving Under the Influence (DUI) or Driving While Intoxicated (DWI), the state typically requires an SR-22 to prove that you carry the minimum liability insurance required by law.
2. Reckless Driving: Convictions for reckless driving, which indicate a disregard for the safety of persons or property, often result in the need for SR-22 certification to reinstate or maintain your driving license.
3. At-Fault Accidents Without Insurance: If you are involved in a vehicle accident and found to be at fault without carrying valid auto insurance at the time of the incident, you might be mandated to file an SR-22.
4. Multiple Traffic Violations: Accumulating multiple traffic violations or excessive points on your driving record within a short timeframe can lead to a requirement for SR-22 filing as a condition to keep your driving privileges.
5. License Suspension or Revocation: If your driver’s license has been suspended or revoked for any of the aforementioned reasons or others, such as failure to pay court-ordered child support, an SR-22 may be required to reinstate your license.
6. Legal Judgments: Being subject to certain legal judgments can necessitate an SR-22 filing as proof of financial responsibility moving forward.

Obtaining cheap SR22 insurance in Arizona typically means your insurance provider will file an SR-22 form with the state’s Department of Motor Vehicles (DMV) on your behalf, confirming you have the necessary insurance coverage as mandated by state law. It’s important to note that SR-22 insurance is not a separate policy but a certification attached to your existing auto insurance policy, indicating compliance with the minimum liability coverage requirements.

Easiest way to obtain Cheap SR22 Insurance in Arizona

Finding affordable SR-22 insurance in Arizona can be straightforward if you follow a few key steps. Here’s the easiest way to obtain cheap SR22 insurance in the state:

1. Shop Around: Start by comparing quotes from multiple insurance providers. Since insurers vary in how they calculate premiums for SR-22 policies, shopping around can help you find the most competitive rates.
2. Choose a Provider with SR-22 Experience: Opt for insurance companies that have experience handling SR-22 filings and are familiar with the requirements in Arizona. Providers like Progressive, The General, and National General are known for dealing efficiently with high-risk insurance policies.
3. Maintain a Clean Driving Record: Keeping your driving record clean is crucial. Avoiding further violations and accidents will help reduce your premiums over time.
4. Increase Your Deductibles: Opting for higher deductibles can lower your monthly premiums. Just ensure the deductible is an amount you can afford in case of a claim.
5. Reduce Coverage on Older Vehicles: If you own an older vehicle, consider reducing your coverage to liability only, which can significantly lower your premiums. However, make sure you have enough coverage to protect yourself adequately.
6. Ask About Discounts: Many insurance companies offer discounts that can lower your SR-22 insurance cost. These can include discounts for safe driving, being a good student, or having multiple policies with the same insurer.
7. Manage Payments Wisely: Some insurers offer a discount for paying your premium in full, rather than monthly. If financially feasible, paying upfront can save you money.
8. Consult with Local Agents: Speaking with local agents who understand the specifics of Arizona’s insurance requirements can provide tailored advice and potentially uncover more cost-saving options.

By following these steps, you can make the process of obtaining cheap SR-22 insurance in Arizona easier and more affordable. Remember that the goal is not only to meet legal requirements but also to ensure you have adequate protection on the road.

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What If I’m Already Insured? – If you currently have an Insurance policy with liability or full coverage, the simplest and possibly most cost-effective thing to do is to call your insurance provider and ask if they can file an SR-22 on your current policy. Most Insurance companies can for a small fee, which makes the process simple and easy instead of switching around your insurance companies, or taking out a second policy (which is unnecessary and costly).

What If I’m Not Insured Yet? – If you are not currently insured, you will need to start your search by looking for an insurance company that can accommodate your SR-22. The minimum that you need to carry on your policy is liability, but you can also have a full coverage insurance policy with the SR-22 if needed. If you are financing a vehicle, or own a newer vehicle that may require full coverage, consider getting a full coverage insurance policy, and just add the SR-22.

What If I Do Not Own A Vehicle? – What if you don’t even own a vehicle, but you’re now required to purchase an insurance policy with an SR-22 to comply with the State? This may be the most confusing part of it all, but we are here to make it very simple. Arizona offers a ‘Non-Owners Policy’, which will insure the driver for liability coverage only, driving any non-owned vehicle. If you do not own a vehicle, but need an SR-22, this is the type of policy you will need to obtain. It’s important to know that if you were to eventually buy a vehicle, this type of policy would not cover you in an owned vehicle; only non-owned vehicles.

Arizona DUI and SR-22 Insurance Requirements: What You Need to Know

By Arizona law, if you are convicted of a DUI, you must carry SR-22 insurance for at least three years. Your insurance company will file the SR-22 with the state, confirming that you have the required insurance coverage. If your insurance lapses or is canceled at any time, the state will be notified, and your SR-22 requirement will reset, starting the three-year period over again.

It is crucial to keep your SR-22 insurance active to avoid additional SR-22 related fees and reinstatement fees. Allowing your insurance to lapse can result in further penalties and financial burdens. To maintain compliance and avoid extra costs, ensure your SR-22 insurance in Arizona remains active throughout the required period. For those looking for affordable options, searching for cheap SR22 insurance can help manage costs while fulfilling the state’s requirements.

Arizona SR-22 Insurance Requirements

By Arizona law, these are the minimum insurance requirements. This will pay out to the other party if you are liable in the accident (otherwise known as an At Fault Accident). The limit amount is $25,000 per person for bodily injury, up to $50,000 per accident total for bodily injury and $15,000 for property damage. This is the State Minimum, however, you can increase this coverage for more protection.

State	State Minimum	Personal Injury Protection/Medical Payments
Arizona	25/50/15	Not Required

Rates For SR-22 Insurance In Arizona By Company (Liability Only)

Liability Insurance is the minimum requirement to make you legal on the road, and the minimum requirement in order to obtain an SR-22. The cost for liability Insurance is calculated based on a number of factors, but on average the cost for an SR-22 added onto a auto policy is only $25 for each insurance term.

Not all companies offer SR-22 Insurance; below is a list of the companies that do offer cheap SR-22 Insurance in Arizona.

Insurance Company	SR-22 Availability in Arizona
Progressive	Yes
Dairyland	Yes
Gainsco	Yes
Assurance America	Yes
National General (Allstate subsidiary)	Yes
The General	Yes
Bristol West	Yes
Mendota	Yes
Suncoast	Yes
Falcon	Yes

Understanding Arizona SR-22 Insurance Laws and Requirements

Drivers in Arizona must have liability insurance from an authorized company that is permitted to do business in the state. If you fail to provide proof of insurance, you may be required to carry SR-22 insurance. SR-22 insurance in Arizona is not a separate policy but an attachment to your existing policy, informing the state that you have the minimum required insurance coverage. This filing, also known as a Financial Responsibility Form, ensures you meet the legal requirements. For those seeking affordable options, looking for cheap SR22 insurance can help you stay compliant without breaking the bank.

Arizona SR-22 Insurance Requirements
Drivers must have liability insurance from an authorized company
Failure to provide proof may result in needing an SR-22
SR-22 is not a policy, but an attachment to prove minimum coverage

Buying options for SR-22 Insurance in Arizona

Once you’ve settled on a reputable insurance company providing SR-22 coverage, sit down with your agent to explore payment plans. For instance, if you’re able to pay the full premium upfront, you could potentially save hundreds of dollars throughout the term, making it the most cost-effective option. On the other hand, if you opt for monthly payments, consider making a larger initial down payment to ensure your monthly installments remain manageable and budget-friendly. Many companies also offer a discount for setting up automatic payments using either a debit/credit card or banking information.

1. Research and select a reputable insurance company offering SR-22 coverage in Arizona.
2. Schedule a meeting or call with an agent from the chosen company.
3. Discuss payment options with the agent, considering both upfront payment and monthly installment plans.
4. If financially feasible, opt for paying the entire premium upfront to maximize savings over the term.
5. Alternatively, if choosing monthly payments, negotiate a larger initial down payment to keep monthly installments affordable.
6. Review and confirm the chosen payment plan with the agent before finalizing the policy.

Helpful Tip: Consider using an insurance broker. Using an insurance broker can offer several advantages when shopping for insurance, providing benefits that range from personalized service to potentially better rates. Here are some of the key benefits of using an insurance broker:

1. Expertise and Advice: Insurance brokers are professionals with in-depth knowledge of the insurance market. They can provide expert advice on various types of insurance policies, coverage options, and the legal aspects of insurance. This guidance is invaluable in helping you understand complex terms and conditions and in making informed decisions.
2. Personalized Service: Brokers offer personalized service tailored to your specific needs. They take the time to understand your circumstances, financial situation, and coverage requirements, which enables them to recommend the most suitable policies for you.
3. Access to a Wide Range of Products: Brokers often have access to a broad array of insurance products from multiple carriers. This extensive selection allows them to compare different policies and find one that offers the best coverage at a competitive price.
4. Cost Savings: Because brokers have knowledge of and access to the entire market, they can often find deals that you might not find on your own, potentially saving you money on premiums.
5. Simplifying the Insurance Process: Navigating the insurance landscape can be complex and time-consuming. Brokers handle the legwork for you—from researching and comparing options to managing paperwork. This simplifies the process and saves you time.
6. Ongoing Support: Insurance needs can change over time as your life circumstances change. Brokers provide ongoing support and can review your coverage periodically to make sure it still meets your needs. They can help adjust your policies as required, ensuring you are always adequately protected.
7. Unbiased Recommendations: Unlike insurance agents who typically work for specific insurance companies, brokers work for you. This independence allows them to provide unbiased recommendations that best suit your interests rather than those of a particular insurer.

Using an insurance broker can provide a more tailored, efficient, and potentially cost-effective insurance buying experience. They offer professional advice, a wide selection of products, and personal advocacy, particularly when you need to file a claim.

Cost Of SR-22 Insurance In Arizona (Full Coverage)

Full coverage car insurance is recommended for those who have a new or expensive vehicle, financing their vehicle, live in areas prone to severe weather or high theft rates, or simply want peace of mind knowing they’re well protected. The cost of full coverage is higher than liability insurance alone, but it provides a significant level of financial protection and can help avoid major out-of-pocket expenses in the event of an accident or other damage to your vehicle.

What Does Full Coverage Consist Of?

Full coverage car insurance is a term commonly used to describe a combination of insurance policies that together provide a comprehensive level of protection for your vehicle. It typically goes beyond the minimum liability insurance required by state laws, adding further coverage to address various types of damage to your vehicle and to protect against a broader range of potential risks. Full coverage isn’t a specific policy itself, but a package made up of the following components:

1. Liability Insurance: This is the foundational part of any auto insurance policy and is required by most states. It covers costs associated with injuries and property damage you may cause to others in an accident. Liability insurance includes both bodily injury liability and property damage liability.
2. Collision Insurance: Collision coverage pays for damage to your vehicle resulting from a collision, whether it’s with another vehicle or an object like a fence or tree. This coverage is not required by law but is often required if you finance or lease your vehicle.
3. Comprehensive Insurance: This coverage pays for damage to your vehicle caused by events other than collisions. This can include things like theft, vandalism, fire, natural disasters (such as floods or hail), and hitting an animal. Like collision insurance, comprehensive coverage is generally optional unless your vehicle is financed or leased.

Check below for the average cost for SR22 Insurance with Full Coverage by City in Arizona.

City	Price
Vail	$163
San Tan Valley	$152
Safford	$169
Gold Canyon	$169
Tuba City	$173
Bullhead City	$161
Picture Rocks	$177
Saddlebrooke	$164
Scottsdale	$154
Green Valley	$154

Company Fees For A Financial Responsibly Form: SR-22 Insurance in Arizona

Many Insurance companies charge a small fee for the SR-22 filing for each Insurance term. The fee is generally $0-$25 per policy period. Some companies, like Dairyland, do not charge a fee at all, which often makes them the cheapest option.

AssuranceAmerica	$25.00
Safeco	N/A
Progressive Insurance	$25.00
21st Century	N/A
National General	N/A
Travelers	N/A
American Family	N/A
Acceptance RTR	$25.00
GAINSCO	$25.00
Bristol West	$25.00
Farmers	$15-$28
Liberty Mutual	$15-$25
Dairyland	Free
USAA	N/A
Nationwide	N/A
Allstate	Unknown
Mendota Ins. Company	$25.00
State Farm	Does not offer SR22

Why do insurance companies charge a filing fee for an SR-22?

Insurance companies charge a fee for SR-22 filings due to several reasons related to the risks and administrative costs associated with providing this service:

1. High-Risk Classification: Typically, individuals who are required to file an SR-22 are considered high-risk drivers. This classification can include those who have had DUI/DWI convictions, multiple traffic violations, or accidents without insurance. High-risk drivers are statistically more likely to file claims, and the SR-22 fee helps offset the increased risk insurers take on by covering such drivers.
2. Administrative Costs: Filing an SR-22 involves additional administrative work for insurance companies. This includes preparing and sending the necessary documentation to the state’s department of motor vehicles (DMV) or appropriate regulatory body. The fee helps cover these administrative expenses.
3. Monitoring Requirements: Once an SR-22 is filed, insurance companies are often required to monitor the policy more closely to ensure that it remains in force as mandated by the state. If the policy lapses or is cancelled, the insurer must notify the state, which involves further administrative duties.
4. Regulatory Compliance: There are also regulatory requirements that insurers must adhere to when managing policies associated with an SR-22. Compliance with these regulations can require additional resources, further justifying the fee.
5. Risk of Policy Lapse: The likelihood of policy lapses is higher among individuals who require an SR-22, often due to the higher cost of insurance. The fee can act as a deterrent against frequent cancellations and reinstatements, which impose additional administrative burdens on the insurance provider.

The SR-22 fee is typically a one-time charge applied when the SR-22 is initially filed or when a policy requiring an SR-22 is renewed or reinstated. This fee is separate from and in addition to the premium charged for the insurance coverage itself.

Which Companies Offer SR-22 Insurance in Arizona?

Searching for a cheap, but reputable insurance company can seem like a daunting and time consuming task, especially when you are now tasked to find a company that can file an SR-22. Not all Insurance companies offer SR-22, because the driver is generally a ‘higher risk’. If you are required to carry an SR-22, you may have gotten a DUI, or another major conviction, which some insurance companies will not want to insure you if you have that on your record.

We have made it easier by compiling a list of Insurance companies in Arizona, that do offer Cheap SR22 Insurance.

Company	SR22 Offered
USAA	No
Safeco	No
Geico	Yes
Bristol West	Yes
The General	Yes
Mendota Ins. Company	Yes
Dairyland	Yes
Progressive Insurance	Yes
State Auto	No
Travelers	No
American Family	No
21st Century	No
National General	Yes
Nationwide	No
Acceptance RTR	Yes
Farmers	Yes
State Farm	No

Understanding the Connection: SR-22 Insurance and Child Support in Arizona

When it comes to SR-22 Insurance in Arizona, understanding the link between child support and SR-22 requirements is crucial. If you’ve fallen behind on child support payments, your driver’s license could be suspended, necessitating an SR-22 to reinstate it. Failure to comply with child support orders can lead to serious consequences, including the need for SR-22 coverage.

SR-22 Insurance in Arizona Estimated Prices Due To Not Paying Child Support

Insurance Company	Monthly Rate for SR-22 Coverage
Progressive	$50
Dairyland	$45
Gainsco	$55
Assurance America	$60
National General (Allstate subsidiary)	$65
The General	$70
Bristol West	$55
Mendota	$75
Suncoast	$65
Falcon	$70

Frequently Asked Questions About SR22 Insurance in Arizona

Last Updated on July 18, 2024 by Amanda Moss