Travelers offers the cheapest SR-22 insurance in Arizona at $105 monthly for minimum coverage and $193 for full coverage, which is 46% lower than the state's average rates. However, these rates reflect costs for 40-year-old drivers with a DUI on record. State Farm, Progressive, GEICO and Farmers may provide better rates for your specific profile.
Cheapest SR-22 Car Insurance in Arizona
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Travelers provides the most affordable SR-22 insurance in Arizona with average premiums of $105 per month or $1,255 per year for minimum coverage.
On average, Arizona car insurance costs with an SR-22 filing are $184 monthly for minimum coverage and $346 per month for full coverage.
Arizona requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $15,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Arizona
| Travelers | $105 | $193 | -46% |
| State Farm | $126 | $235 | -35% |
| Progressive | $155 | $265 | -24% |
| GEICO | $172 | $328 | -10% |
| Farmers | $182 | $327 | -8% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Arizona by Category
Travelers stands out as the clear leader for SR-22 insurance in Arizona, winning all seven categories we analyzed. With average monthly premiums of $149, it offers the most affordable rates across every high-risk driver profile, from speeding tickets to racing violations.
| Most Drivers Needing a SR-22 | Travelers | $105 | $193 |
| Young Drivers With a Suspension | Travelers | $109 | $208 |
| Senior Drivers With a Suspension | Travelers | $117 | $207 |
| Drivers With Multiple Speeding Tickets | Travelers | $99 | $188 |
| Drivers With Racing Violation | Travelers | $103 | $190 |
| Drivers With Hit-And-Run Accident | Travelers | $104 | $192 |
| Drivers With Other Violations | Travelers | $86 | $151 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Arizona
Our research identified the best overall insurance providers, but your rates depend on personal factors. The table below lists the five most affordable providers based on your age, gender, coverage needs, credit score and driving history.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Travelers | $263 | $3,154 | -78% |
| GEICO | $416 | $4,997 | -65% |
| Nationwide | $469 | $5,634 | -61% |
| Allstate | $497 | $5,960 | -58% |
| Progressive | $551 | $6,607 | -54% |
Cheapest SR-22 Car Insurance in Arizona by City
Travelers offers the most affordable SR-22 car insurance in Arizona, with rates starting at $67 monthly depending on your city. Below, you can review its rates for major cities in the state.
| Buckeye | Travelers | $99 |
| Chandler | Travelers | $107 |
| Dennehotso | Travelers | $68 |
| Fort Defiance | Travelers | $67 |
| Gilbert | Travelers | $106 |
| Glendale | Travelers | $119 |
| Mesa | Travelers | $107 |
| Peoria | Travelers | $109 |
| Phoenix | Travelers | $114 |
| Prescott Valley | Travelers | $80 |
| Scottsdale | Travelers | $108 |
| Surprise | State Farm | $82 |
| Tempe | Travelers | $105 |
| Tucson | Travelers | $98 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Arizona
Overall, Travelers is the best car insurance provider for SR-22 filing because it offers the greatest balance of affordable rates, good customer service, useful coverage options and the highest overall MoneyGeek score. Consider Progressive, State Farm, Auto-Owners and Farmers in your search as well.
| Travelers | 4.79 | 1 | 2 | 4 |
| Progressive | 4.53 | 3 | 3 | 2 |
| State Farm | 4.41 | 2 | 4 | 6 |
| Auto Owners | 4.32 | 7 | 1 | 5 |
| Farmers | 4.22 | 5 | 9 | 1 |
Travelers
Best Overall for SR-22 Insurance in Arizona
MoneyGeek Rating
4.8/ 5
5/5Affordability
4.7/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$193For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$105For minimum state coverage for drivers filing an SR-22Best For
Most Drivers Needing a SR-22
How Much Is SR-22 Car Insurance in Arizona?
SR-22 car insurance in Arizona costs $2,213 annually for minimum coverage and $4,152 for full coverage policies. Arizona ranks 28th for minimum coverage affordability and 30th for full coverage. Monthly premiums can range from $104 to $2,496, depending on your driving record and other risk factors.
| Minimum Coverage | $184 | $2,213 | 5% |
| Full Coverage | $346 | $4,152 | 4% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Arizona City
Based on our analysis, Fort Defiance offers the lowest SR-22 insurance rates in Arizona at $130 monthly, while Phoenix drivers pay the highest at $210 per month. You can review costs for major cities across the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Buckeye | $160 | $1,925 |
| Chandler | $182 | $2,181 |
| Dennehotso | $135 | $1,617 |
| Fort Defiance | $130 | $1,562 |
| Gilbert | $185 | $2,218 |
| Glendale | $202 | $2,429 |
| Mesa | $189 | $2,273 |
| Peoria | $188 | $2,260 |
| Phoenix | $210 | $2,519 |
| Prescott Valley | $135 | $1,619 |
| Scottsdale | $177 | $2,118 |
| Surprise | $164 | $1,967 |
| Tempe | $197 | $2,360 |
| Tucson | $170 | $2,035 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Arizona SR-22 Insurance Requirements
An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't insurance but a form your insurer files to confirm you meet Arizona's Financial Responsibility law for license reinstatement.
To comply with Arizona laws, you must carry these minimum liability limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $15,000 property damage liability per accident
In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years, depending on the violation severity, noncompliance with requirements or repeated offenses.
TYPES OF SR-22 FILINGS
SR-22 insurance filings in Arizona come in different forms, each designed for specific situations. A traditional SR-22 Owners Certificate provides coverage only when you're driving your own vehicle, while non-owner SR-22 insurance in Arizona offers protection when you're operating vehicles belonging to others.
Arizona drivers can choose a comprehensive solution through an SR-22 Operators-Owner Certificate. This joint filing combines the benefits of both traditional and non-owner policies.
Other Arizona SR-22 Insurance Laws and Regulations
Filing an SR-22 is just one part of meeting Arizona's insurance requirements. Drivers must also comply with additional state regulations and coverage laws.
- First offense: requires three years of SR-22 coverage
- Second offense within five years: leads to a one-year license suspension plus continued SR-22 requirement
- Third offense within five years: results in a three-year license suspension with ongoing SR-22 requirement.
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Arizona range from $15 to $25, while license reinstatement fees cost between $50 and $100, based on the violation type. Arizona offers payment plans for fees exceeding $75, making it easier to manage these costs.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or gets canceled, your insurance company must notify the Arizona Motor Vehicle Division immediately. Your license will be suspended again until you file a new SR-22 and complete all reinstatement requirements.
SR-22 Requirement Length
Arizona requires SR-22 insurance for three years, but this extends to five years for serious violations involving injuries, death, or major property damage. For non-driving violations:
SR-22 Filing Process
To file an SR-22 in Arizona, contact an insurance company licensed in the state and purchase a policy meeting Arizona's minimum requirements. Your insurance company files the SR-22 electronically with the Arizona Motor Vehicle Division, with processing typically completed within 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Arizona doesn't offer a state-sponsored high-risk insurance program. Instead, drivers can work with the Western Association of Automobile Insurance Plans (WAAIP), which helps match high-risk motorists with participating insurance companies. Several private insurers in Arizona provide coverage for drivers with SR-22 requirements.
Cheap SR-22 Insurance in Arizona: Bottom Line
In Arizona, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance Arizona: FAQ
Below are frequently asked questions about SR-22 certifications in Arizona:
What are the cheapest SR-22 car insurance options in Arizona?
Travelers provides Arizona's cheapest SR-22 car insurance at $105 per month for minimum coverage. Progressive and State Farm round out the top three most affordable options.
How much does filing an SR-22 increase car insurance rates in Arizona?
Filing an SR-22 increases car insurance rates in Arizona by 4% compared to drivers with clean records.
How long do you need to have an SR-22 in Arizona?
In Arizona, you must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse resets the SR-22 period and can trigger additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance in Arizona
MoneyGeek analyzed hundreds of thousands of quotes across Arizona to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Arizona SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
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
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts 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
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.