Arizona SR-22 & High-Risk Auto Insurance
Arizona requires 25/50/15 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordArizona 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arizona
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.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Arizona
$286–$306/mo
Typical monthly rate in Arizona, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- 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
- 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
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage 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.