Compare SR-22 insurance in Arizona

If you’ve gotten in trouble behind the wheel in Arizona, you could be ordered by the court to file for an SR-22. While it’s commonly called SR-22 insurance, an SR-22 isn’t insurance at all. It’s a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive.

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.

• Affordable coverage
• Instant online access
• SR-22 support

Our pick for SR-22 drivers: The General

The General offers affordable coverage for nearly any driver who needs car insurance.

• Affordable coverage
• High risk drivers okay
• Instant online access
• Available in 46 states

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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.

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Name	Product	SR-22	Nonowner policy	Payment schedule	States served
The General		Yes	Yes	12 months, monthly	AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	The General offers affordable coverage for nearly any driver who needs car insurance.	Get quotes More Info	Compare	loading Fetching your data...
Esurance		Yes	No	12 months, monthly	AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI	Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.	Get quotes More Info	Compare	loading Fetching your data...
SafeAuto		Yes	Yes	12 months, 6 months, monthly (fee applies)	AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.	Get quotes More Info	Compare	loading Fetching your data...
Dairyland		Yes	Yes	custom	AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.	Get quotes More Info	Compare	loading Fetching your data...
Farmers		Yes	No	monthly, custom	All 50 states	Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Yes	Yes	12 months, 6 months, custom	All 50 states	USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.	Get quotes More Info	Compare	loading Fetching your data...

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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.

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.

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared median rates for the same driver profile.

  • 85003 ZIP code
  • Male driver
  • 26–30 years old
  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum requirements

How long will I need to hold an SR-22 for in Arizona?

In Arizona, most court-ordered SR-22s result in a coverage requirement of three years. That three-year timeline may be shortened if you maintain a spotless driving record during the mandate.

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.