The Cost of SR-22 Insurance in Arizona, and When You Need It

The Cost of SR-22 Insurance in Arizona, and When You Need It

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Drivers who are convicted of certain serious driving offenses in Arizona must request an SR-22 insurance document in order to reinstate their licenses after they were suspended. This form certifies to the Arizona MVD that you are satisfying the state requirements for liability insurance.

While the SR-22 document itself only costs a modest fee, drivers who require an SR-22 pay about 40% more for insurance than other drivers.

How to get SR-22 insurance

The process of getting an SR-22 for your car insurance is fairly straightforward. If you already have active coverage, you may be able to call your current insurer and ask to add an SR-22, which it will send to the AZ MVD.

However, you may need to get a new insurance policy, as many insurance companies will cancel your coverage after learning about your new SR-22 requirement. Even if your insurer doesn't drop your policy, your rates are likely to increase after a major driving incident such as a DUI. It's a good idea to check with several Arizona insurance companies to find a cheaper rate.

When collecting quotes, be honest about your situation and answer questions relating to your conviction. Some insurers explicitly ask whether you need an SR-22, while others only ask about the circumstances that would lead to needing one.

Insurers will likely ask about when your incident took palce, how long you have been without insurance, and how long you were insured before you lost coverage.

Additionally, not all insurance companies offer SR-22 policies, so you may need to check with multiple companies to find an SR-22 insurance provider. Another option to consider is the Arizona Automobile Insurance Plan, a special program that pairs high-risk drivers with willing insurers.

How long will I need the SR-22?

Generally, you'll need to keep an SR-22 on file with the Arizona Motor Vehicle Services for three years before you can drop the certificate. If you allow your insurance to lapse, or your coverage is canceled (because of nonpayment, for example), you will likely need to start the process over again.

Once you've reached the three-year threshold, double-check with the AZ MVD that you are no longer required to carry the policy. Then call your insurance company to cancel the SR-22. You must have the SR-22 on file for three continuous years — not just the three-year period after your license was revoked. If you mistakenly cancel the SR-22 too early, you could be penalized or required to renew your certificate for another three-year period.

The average cost of Arizona SR-22 insurance

Unfortunately, you are very likely to pay much more for insurance if you need an SR-22. We found that drivers who need SR-22 insurance can expect to see their rates increase by 40% on average, after just one DUI.

In our comparison, Progressive offered the lowest rates for Arizona drivers who require an SR-22, with an average of $1,164 for an annual quote. In addition to offering the lowest absolute price, Progressive also had the smallest percentage increase for our SR-22 drivers: 33% after one DUI. USAA's rates increased by 166% for a driver who needs an SR-22.

This graph ranks AZ SR-22 insurance quotes for 30-year-olds across varying insurers.

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Our list of insurers below compares the average annual rates for a 30-year-old man with and without an SR-22 filing and DUI conviction. You should always compare multiple quotes between insurance companies to ensure you are choosing the best option.

Company
Annual average premium
Annual average premium with SR-22 and DUI
Percent increase
Progressive$872$1,16433.49%
CSAA$802$1,28059.60%
USAA$640$1,700165.63%
Geico$1,008$1,71870.44%
State Farm$1,440$2,40066.67%
Trumbull Insurance$2,332$3,61755.10%
Allstate$2,036$3,89491.26%
Farmers$3,223$5,62874.62%

The best method of finding cheap SR-22 insurance in Arizona is to compare multiple quotes from different insurers. Every insurance company has its own way of assessing risk and charging rates, so you should shop around to find the cheapest SR-22 coverage for you.

When do I need SR-22 insurance?

In Arizona, an SR-22 is a document that an insurance company sends to the state Motor Vehicle Services. The document verifies you have purchased insurance coverage; your insurer is also required to notify the Arizona MVD if your insurance policy is canceled. If you have an SR-22 filed with the state, you're often described as having "SR-22 insurance," even though it's not technically a different kind of insurance.

There are a number of serious driving offenses that can lead to you being required to file an SR-22, the most common being a DUI and driving without insurance.

These offenses both typically lead to a license suspension or revocation, and you'll need to get an SR-22 in order to have your license reinstated.

However, a judge may decide to require that you get an SR-22 in other situations as well, such as if you have too many points on your license or have too many unpaid tickets.

Reasons you may be required to file an SR-22:

  • DUI
  • Suspended/revoked license
  • Driving without insurance
  • Multiple unpaid tickets
  • Repeated smaller offenses, such as speeding tickets
  • Too many points on your license

Nonowner SR-22 insurance in Arizona

If you don't own a car but got a DUI while driving a vehicle that belongs to someone else, you may be required to get an SR-22 in order to get your license back, even if you didn't carry insurance before. In this case, you'll need to buy non-owner SR-22 insurance.

Nonowner coverage is generally cheaper than regular car insurance because it doesn't include coverage for a vehicle. It's also cheaper because it presumes you will not drive as often as someone who owns a vehicle and drives it regularly.

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