Arizona SR-22 Insurance After Violation or Suspension
Arizona requires 25/50/15 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$10
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arizona
Drivers with DUI convictions, license suspensions for at-fault accidents while uninsured, or accumulation of serious violations typically receive an SR-22 filing requirement from the Arizona Motor Vehicle Division. The filing certifies continuous coverage for a period typically lasting 3 years. Minimum coverage often proves inadequate for drivers rebuilding after a violation, as one additional at-fault accident can trigger financial responsibility requirements that exceed state minimums.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
What Drivers Pay in Arizona
$225–$414/mo
Typical monthly rate in Arizona, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Violation type: DUI violations carry higher surcharges than suspension for points accumulation
- SR-22 filing status: completing the 3-year requirement without lapses signals reliability to standard carriers
- Number of violations: a single DUI is typically surcharged less severely than multiple violations within 3 years
- Vehicle type and value: comprehensive and collision premiums scale with replacement cost, affecting high-risk drivers with newer vehicles most significantly
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Restricted Driver Permit (DUI: Special Ignition Interlock Restricted License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. The foundation of any SR-22 policy and the minimum required to maintain your filing with the Arizona MVD.
SR-22 Insurance
An endorsement filed by your carrier certifying continuous coverage to the Arizona MVD. The filing itself is not coverage, but the mechanism that allows you to legally drive during your high-risk period.
Full Coverage
Combines liability, comprehensive, and collision into one policy. Protects both your legal obligation to others and your own vehicle in accidents or non-collision events.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Optional in Arizona but critical protection given the state's uninsured driver rate.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, hail, fire, animal strikes, and weather events. Part of full coverage and required by lenders on financed vehicles.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk drivers: DUI, suspended licenses, SR-22 requirements, or multiple violations. Higher premiums but accessible approval for profiles standard carriers decline.