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, 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
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Sources
- Arizona Department of Transportation Motor Vehicle Division
- Arizona Revised Statutes Title 28 (Motor Vehicles)
- Arizona Department of Insurance and Financial Institutions