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, and $15,000 for property damage. Drivers with DUI convictions, license suspensions for driving uninsured, repeated violations, or at-fault accidents while uninsured typically must file SR-22 proof of insurance with the Arizona Motor Vehicle Division for 3 years. High-risk drivers often need coverage above state minimums to qualify with non-standard carriers willing to file SR-22.
How Much Does Car Insurance Cost in Arizona?
High-risk drivers in Arizona pay significantly more than standard-market rates due to SR-22 filing requirements, violation surcharges, and limited carrier competition. DUI convictions typically increase premiums by 60–120%, while at-fault accidents and suspensions add 40–80% to base rates. Non-standard carriers dominate the Arizona high-risk market, and many require higher liability limits or six-month prepayment to offset underwriting risk.
What Affects Your Rate
- Violation type: DUI convictions trigger the highest surcharges (60–120% increase), followed by at-fault accidents (40–80%) and driving without insurance (50–90%)
- Time since violation: rates begin decreasing after 3 years for most violations, with significant drops at the 5-year mark when incidents fall off most carrier underwriting reviews
- SR-22 filing status: the certificate itself costs $15–$35, but being in the SR-22 pool signals high risk and limits carrier options to non-standard insurers
- Zip code and county: urban areas like Phoenix and Tucson show 10–20% higher rates than rural Arizona due to accident frequency and theft rates
- Credit-based insurance score: Arizona allows insurers to use credit in underwriting; poor credit combined with violations can double premiums compared to good credit with the same driving record
- Vehicle type and age: high-risk drivers financing newer vehicles pay significantly more for required full coverage; older paid-off vehicles allow minimum liability only
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Arizona requires 25/50/15 minimums, but high-risk carriers often mandate 50/100/25 or higher to accept SR-22 filings.
SR-22 Insurance
Certificate filed by your insurer proving you meet Arizona's financial responsibility requirement after DUI, suspension, or driving uninsured. Not a separate policy—attaches to your liability coverage.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal obligation and your vehicle. Required by lenders and recommended for financed vehicles even under SR-22.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, violations, lapses, or SR-22 requirements who cannot qualify for standard-market policies. Premiums are higher but availability is consistent.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Arizona does not require it, but approximately 12–14% of state drivers are uninsured.
Collision Coverage
Pays to repair your vehicle after an accident regardless of fault. Required by lenders and critical for drivers with financed vehicles under SR-22 filing.
