State authorities in Arizona may require you to file an SR-22 for reasons like driving without insurance, drunk driving or refusing a blood alcohol test. Although the form itself costs under $50 to submit, you’ll pay a higher premium and possibly need to switch car insurance companies for several years to offset your high driving risk.
What's in this guide?
- How much does an SR-22 cost in Arizona?
- Compare Arizona SR-22 car insurance quotes
- How do I file for an SR-22 in Arizona?
- Compare Arizona SR-22 car insurance
- How does an SR-22 work in Arizona?
- When do I need to file an SR-22 in Arizona?
- What happens when I don’t need SR-22 coverage anymore?
- Bottom line
How much does an SR-22 cost in Arizona?
Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50.
But it’s not the fee that’s most expensive when you file for an SR-22 — you’ll also typically see higher premiums than you’re used to.
The impact of an SR-22 on your car insurance rates
SR-22s are often required after a driving conviction, such as driving without insurance or a DUI conviction. With such severe convictions on your driving record, you’re considered a “high-risk” driver by the state and most providers.
How do I file for an SR-22 in Arizona?
- Find an insurer. Ask your insurer if it issue SR-22s in the state of Arizona. If it doesn’t, you’ll need to find a car insurance company that does.
- Pay the SR-22 fee. To finalize your SR-22, you pay a fee to your insurer for processing and the convenience of it filing on your behalf.
- Verify minimum liability coverage. If you’re already insured, call your provider to verify your policy includes at least:
- $15,000 for injury or death to one person.
- $30,000 for injury or death to more than one person.
- $10,000 for damage to property.
These are the minimum coverage requirements for the state of Arizona that you might see listed as 15/30/10 in insurance documents.
- Submit your SR-22. Your insurance agent will file your SR-22 with the Arizona Secretary of State’s office.
- Wait for confirmation. You’ll receive a letter from your insurer and the state of Arizona that your SR-22 is accepted.
Compare Arizona SR-22 car insurance
Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Arizona car insurance.
How does an SR-22 work in Arizona?
Filing an SR-22 in Arizona through your insurance proves to the Motor Vehicle Department that you’re covered by minimum insurance. You’ll need an SR-22 for three years from the date you’re reinstated to drive. This SR-22 is also known as the certificate of insurance or proof of future financial responsibility.
While it’s commonly called SR-22 insurance, an SR-22 isn’t insurance at all. Rather, it’s a document your insurance company files with the state. You can shorten your three-year timeline if you maintain a spotless driving record during the mandate.
When do I need to file an SR-22 in Arizona?
Your state DMV will let you know if you need to file an SR-22. In Arizona, you may need to file for an SR-22 if:
- You’re found driving without insurance.
- You’re convicted of reckless driving.
- You’re convicted of a DUI.
- You refuse to take a blood alcohol content (BAC) test.
- You’ve acquired too many points on your driving record.
- The state restricts or revokes your license.
What if I don’t have a car or license?
You’ll still need to file for an SR-22 to legally get behind the wheel in Arizona. If you lose your license because you’re caught driving without insurance, the court could order you to carry non-owner insurance to reinstate your license.
What if I’m from another state?
If you have an SR-22 from another state, you must maintain it while driving in Arizona. Your SR-22 is likely to be sufficient in Arizona, but it’s best to verify coverage with the DMV and your insurer.
What happens when I don’t need SR-22 coverage anymore?
Once your mandate has ended, it’s time to adjust your insurance as needed. Before you cancel your current policy it may be worth double-checking with the DMV that your SR-22 is completely fulfilled.
After confirming the end of your mandate you can contact your insurance company and cancel or revisit your policy.
What happens if I let my SR-22 lapse?
Talk to your provider about how much you can expect your rates to increase. And make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.
Whether you’re moving on from the fallout of a DUI, driving without insurance or another driving conviction maintaining your SR-22 until the end of it can prevent further problems down the road. Once you’ve completed the SR-22, make sure you compare insurance companies before you settle on a new policy to find one that fits your situation best.
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