Cheapest SR-22 Car Insurance in Arizona

Mercury, Progressive and State Farm offer the cheapest SR-22 insurance in Arizona, averaging $53 monthly for minimum coverage — 46% below the state average. Root provides the lowest rate for full coverage at $87.

State Farm offers Arizona's cheapest non-owner SR-22 insurance at $40 monthly or $483 annually. Drivers who need an SR-22 but don’t own a car can opt for non-owner policies to meet state minimum coverage requirements. 

The table below lists providers offering non-owner SR-22 insurance and their average costs for minimum coverage.

The average cost of car insurance in Arizona for drivers with an SR-22 is $1,192 annually for minimum coverage, 62% higher than the state average of $738 for those with clean records.

For full coverage, SR-22 drivers pay an average of $2,443 annually, 62% more than the $1,510 drivers with clean records pay.

Having an SR-22 form alone doesn’t raise your insurance rates. Costs depend on the type of violation. The table below compares SR-22 prices for common violations across age groups in Arizona.

An SR-22 isn't insurance but a form proving you meet the minimum coverage requirements. Arizona requires this filing to reinstate your license after specific violations. Insurers consider SR-22 drivers high-risk, leading to higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for an insurance policy. It's a certification your insurer files to confirm you meet the license reinstatement requirements of Arizona's Financial Responsibility law.

Arizona drivers must have an SR-22 for three years after serious traffic violations to show that they meet the state's minimum coverage requirements. To comply with SR-22 laws, you must follow these liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $15,000 property damage liability per accident

An SR-22 is required in Arizona for drivers with serious offenses to maintain or reinstate their licenses. Courts typically mandate SR-22 filings for drivers with the following violations:

In Arizona, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Arizona's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Arizona during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be challenging, as insurers may cancel your policy or deny coverage when you file.

High-risk drivers in Arizona may face fewer insurance options, resulting in higher premiums and limited choices. When getting an SR-22 insurance quote, ask your insurer for the exact fee if filing for the first time. Use these tips to find a more affordable SR-22.

Non-owner insurance provides minimum coverage for drivers who don’t own a vehicle but drive often. It ensures you're covered if you drive someone else's car. It's ideal for those renting cars or driving for rideshare services, covering third-party injuries or property damage in an at-fault accident. 

Non-owner policies are often cheaper than standard insurance. Compare quotes from different insurers to find the best rate. Once you buy a non-owner policy, your insurer can file an SR-22 form to comply with state law and help reinstate your license after three years.

Serious driving offenses require an SR-22 to prove you have minimum coverage. You may need the form for three years. SR-22 insurance costs more, but you can find cheap car insurance providers in Arizona.

Below are frequently asked questions about SR-22 certifications in Arizona:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance for Arizona drivers of various profiles and needs.

Arizona Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Arizona’s minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $15,000 property damage liability per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.