Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare SR-22 insurance in Arizona

Get cheap SR-22 insurance in Arizona

Updated . What changed?

Fact checked
truck in field

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.

Get instant SR-22 quotes online

Compare SR-22 car insurance from companies near you.

Your information is secure.

Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.

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.

How do I file for an SR-22 in Arizona?

  1. 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.
  2. 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.
  3. 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.

  4. Submit your SR-22. Your insurance agent will file your SR-22 with the Arizona Secretary of State’s office.
  5. Wait for confirmation. You’ll receive a letter from your insurer and the state of Arizona that your SR-22 is accepted.

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.

Our pick for SR-22 drivers: The General

Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.

  • Qualify even as a high-risk driver
  • Get instant access to proof of insurance
  • Take advantage of 10 discount opportunities
  • File a claim conveniently by app

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.

Name Product Roadside assistance Accident forgiveness Payment schedule States served
The General
12 months, monthly
All states except HI MA MI and NJ
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
12 months, monthly
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
12 months, 6 months, Quarterly, monthly (fee applies)
High-risk drivers can steer into savings from discounts and payment options like reduced premiums with a down payment.
National General
12 months, 6 months, custom
All 50 states
Nab flexible coverage and tremendous savings for drivers who have trouble finding coverage elsewhere. Talk to an agent at (833) 319-0575.
12 months, 6 months, monthly, custom
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
12 months, custom, Monthly
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.

Compare up to 4 providers

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.

Compare Arizona SR-22 car insurance quotes

Not every insurer offers SR-22 filing support. Compare cheap rates from Arizona insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

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.

Bottom line

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.

Get instant SR-22 quotes online

Compare SR-22 car insurance from companies near you.

Your information is secure.

Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site