Updated April 2026
Minimum Coverage Requirements in Arizona
Arizona requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. 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.
How Much Does Car Insurance Cost in Arizona?
High-risk insurance rates in Arizona vary based on violation type, time since the incident, and how many violations appear on your record. Drivers completing their SR-22 requirement with a clean record during the filing period typically see rates drop 20–40% in the first 12 months after filing ends, with full normalization occurring 3–5 years after the original violation. Shopping multiple carriers at the SR-22 completion date accelerates rate recovery, as different insurers weigh post-SR22 profiles differently.
What Affects Your Rate
- Violation type: DUI violations carry higher surcharges than suspension for points accumulation
- Time since violation: rates decrease 10–20% per year after the first 12 months of clean driving post-violation
- Arizona ZIP code: Phoenix metro high-density areas average 15–25% higher premiums than rural counties due to accident frequency
- 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
Compare Auto Insurance Rates in Arizona
Find Your City in Arizona
Sources
- Arizona Department of Transportation Motor Vehicle Division
- Arizona Revised Statutes Title 28 (Motor Vehicles)
- Arizona Department of Insurance and Financial Institutions