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 itself only costs a modest fee, drivers who require an SR-22 pay much more for insurance than other drivers—about 40% more on average.

What is SR-22 Insurance? When Do I Need it?

In Arizona, an SR-22 is a document that an insurance company sends to the state Motor Vehicle Department (MVD). The document verifies that 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 your license being suspended or revoked, 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

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.

chart showing the relative costs of Insurance for drivers who do and do not require an SR-22

Who Offers the Cheapest SR-22 Insurance in Arizona?

In our comparison, GEICO offered the lowest rates for Arizona drivers that require an SR-22, with an average of $752 for a six-month quote. In addition to offering the lowest absolute price, GEICO also had the smallest percentage increase for our SR-22 drivers: 24% after one DUI. Progressive's rates went up 56% for people who need an SR-22.

SR-22 insurance cost$752.22$1,042.50
Increase over base policy24%56%

Of the six major insurers we checked with, only two actually offered us quotes: GEICO and Progressive. State Farm, Allstate, Nationwide and Farmers Insurance all either rejected our quotes entirely or referred us to another insurance company for a special high-risk insurance policy.

How to Get SR-22 Insurance

The process acquiring an SR-22 for your car insurance is fairly straightforward. If you have active coverage, you may simply be able to call your current insurer and 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 conviction. Even if your insurer doesn't drop your policy, your rates are likely to go up after a major driving incident like a DUI, so it's a very good idea to check with several Arizona insurance companies to find a cheaper rate.

When collecting quotes, be completely honest about your situation and thoroughly answer questions relating to your conviction. Insurers will likely ask about when your incident was, how long you have been without insurance, and how long you were insured before you lost coverage. Note that some insurers explicitly ask you whether you need an SR-22, while others only ask about the circumstances that would lead to needing one.

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 if you can't get coverage is to buy insurance from the Arizona Automobile Insurance Plan, a special program that pairs high-risk drivers with willing insurers.

How Long Will I Need SR-22?

Generally, you'll need to continuously maintain an SR-22 with the Arizona Motor Vehicle Department for three years before you can drop the certificate. If you allow your insurance to lapse, or your coverage is canceled (such as due to nonpayment), 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 before calling your insurance company to cancel it. You have to have an SR-22 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.

Non-Owner 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 nonowner 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.


We collected quotes for two single drivers in the Tempe area: a 30-year-old man and a 55-year-old woman. Both drivers own a 2018 Subaru Outback.

We attempted to collect quotes from six major car insurance companies: GEICO, Progressive, State Farm, Nationwide, Allstate and Farmers. However, only GEICO and Progressive provided quotes for SR-22 insurance, so we omitted the others from our analysis.

Matt is a Technical Writer at ValuePenguin who works on distilling the complex details of insurance into accessible advice. He previously created educational content at Grovo Learning and MarketSmiths Content Strategists. Matt's consumer-focused analysis of insurance has appeared in publications like CNBC, Yahoo Finance and the Miami Herald.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.