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
Your SR-22 period is ending — you can access standard rates again
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Get Your Free QuoteCoverage 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.
