What are the cheapest SR-22 car insurance options in Arizona?

For minimum coverage, Travelers ($430) offers the most cost-efficient SR-22 insurance in Arizona . If you require full coverage, Root Insurance Company ($754) offers the best value.

How much does filing an SR-22 increase car insurance rates, on average?

Major driving offenses have an impact on insurance rates even though filing an SR-22 on itself has no significance. For drivers with a DUI history in Arizona, SR-22 insurance normally costs $855 for minimum coverage ($333 more than drivers with clean records) and $1,790 for full coverage per year ($694 higher than drivers with clean records).

How long do you need to have an SR-22 in Arizona?

In Arizona, depending on the specifics of the violation, there are different requirements for how long you must keep an SR-22 on file. Following the incident that prompted the SR-22 filing, the requirement normally runs for three years.

Cheapest SR-22 Car Insurance in Arizona (2023)

The cheapest full coverage SR-22 insurer for car owners in Arizona is Root Insurance at $754 yearly. The cheapest for non-owners is State Farm at $483 annually. You might need SR-22 insurance if you have a DUI on your record.

Travelers ($430 annually) and Root Insurance ($475 annually) provide the cheapest SR-22 insurance in Arizona for minimum coverage. If you need full coverage, Root Insurance is the most affordable ($754 yearly), followed by State Farm ($1,017 yearly). State Farm ($438 annually) provides the cheapest option for customers who do not own cars.

After committing a significant driving violation, such as driving under the influence (DUI), Arizona requires that you submit SR-22 insurance. Although the SR-22 form has no effect on insurance costs, the violations necessitating this form will raise your premiums. Fortunately, Arizona has cheap options for auto insurance.

Cheapest SR-22 InsuranceArizona

2023

Cheapest Companies for SR-22 Car Insurance in Arizona

Cheapest SR-22 Car Insurance - Root Insurance

What Is SR-22?

Cheapest for Non-Owner SR-22 - State Farm

Average Cost of SR-22

How SR-22 Affects Rates

Other Effects of SR-22

Cheapest Companies for SR-22 Car Insurance in Arizona

MoneyGeek identified insurers in Arizona offering the cheapest SR-22 minimum coverage rates for drivers with DUI records:

Travelers: $430 per year
Root Insurance Company: $475 per year

Full coverage SR-22 insurance is the most affordable from the following companies:

Root Insurance Company: $754 per year
State Farm: $1,017 per year

Since insurance providers believe you are more likely to make claims following a driving violation, the price of car insurance often rises. The prices for cheap SR-22 car insurance in Arizona, which ranges from $430 to $3,614 annually, are listed below.

Age Group

Coverage

Driving Violation

Company	Annual Premium	Monthly Premium
Mercury	$305	$25
Mercury	$321	$27
Auto-Owners Insurance Co	$337	$28
Auto-Owners Insurance Co	$337	$28
Travelers	$344	$29
Auto-Owners Insurance Co	$346	$29
Auto-Owners Insurance Co	$346	$29
Travelers	$359	$30
Travelers	$367	$31
Country Financial	$380	$32
Country Financial	$385	$32
Travelers	$396	$33
State Farm	$398	$33
Travelers	$420	$35
Travelers	$422	$35
State Farm	$423	$35
Root Insurance Company	$425	$35
Travelers	$430	$36
Root Insurance Company	$430	$36
Mercury	$444	$37
Travelers	$446	$37
Travelers	$455	$38
Travelers	$455	$38
Root Insurance Company	$455	$38
State Farm	$456	$38
State Farm	$456	$38
GEICO	$459	$38
Hartford	$468	$39
Auto-Owners Insurance Co	$471	$39
Auto-Owners Insurance Co	$471	$39
Root Insurance Company	$475	$40
Root Insurance Company	$480	$40
State Farm	$484	$40
State Farm	$484	$40
Travelers	$487	$41
Mercury	$491	$41
Travelers	$497	$41
Progressive	$497	$41
State Farm	$501	$42
GEICO	$504	$42
Progressive	$506	$42
Root Insurance Company	$507	$42
Iowa Farm Bureau	$511	$43
Allstate	$515	$43
State Farm	$515	$43
Country Financial	$521	$43
Farmers	$524	$44
Auto-Owners Insurance Co	$525	$44
Mercury	$525	$44
Country Financial	$528	$44
Root Insurance Company	$531	$44
Root Insurance Company	$531	$44
State Farm	$532	$44
Country Financial	$536	$45
Root Insurance Company	$536	$45
Root Insurance Company	$538	$45
Auto-Owners Insurance Co	$539	$45
Hartford	$539	$45
Iowa Farm Bureau	$543	$45
Farmers	$544	$45
Progressive	$547	$46
GEICO	$549	$46
CSAA	$564	$47
Mercury	$567	$47
Root Insurance Company	$568	$47
Root Insurance Company	$571	$48
GEICO	$575	$48
Nationwide	$575	$48
Progressive	$577	$48
GEICO	$581	$48
Progressive	$583	$49
State Farm	$590	$49
State Farm	$590	$49
Allstate	$591	$49
Allstate	$598	$50
Hartford	$602	$50
Nationwide	$605	$50
Progressive	$622	$52
Progressive	$631	$53
Farmers	$640	$53
Mercury	$641	$53
Farmers	$645	$54
Mercury	$646	$54
Country Financial	$646	$54
State Farm	$649	$54
Iowa Farm Bureau	$653	$54
CSAA	$653	$54
Country Financial	$653	$54
Progressive	$657	$55
Country Financial	$662	$55
GEICO	$667	$56
Iowa Farm Bureau	$667	$56
Hartford	$669	$56
Country Financial	$670	$56
Hartford	$670	$56
Mercury	$679	$57
Root Insurance Company	$682	$57
Root Insurance Company	$684	$57
CSAA	$686	$57
Travelers	$689	$57
Hartford	$697	$58
Nationwide	$699	$58
GEICO	$703	$59
Iowa Farm Bureau	$704	$59
Progressive	$708	$59
Auto-Owners Insurance Co	$713	$59
Hartford	$715	$60
Farmers	$718	$60
Mercury	$720	$60
Progressive	$728	$61
Nationwide	$729	$61
Root Insurance Company	$730	$61
Auto-Owners Insurance Co	$732	$61
Auto-Owners Insurance Co	$732	$61
Country Financial	$734	$61
Auto-Owners Insurance Co	$736	$61
Auto-Owners Insurance Co	$736	$61
Farmers	$745	$62
CSAA	$746	$62
Root Insurance Company	$754	$63
Root Insurance Company	$756	$63
Nationwide	$759	$63
Farmers	$760	$63
GEICO	$763	$64
Hartford	$765	$64
Auto-Owners Insurance Co	$767	$64
Auto-Owners Insurance Co	$767	$64
Travelers	$770	$64
Progressive	$780	$65
CSAA	$804	$67
Root Insurance Company	$806	$67
Hartford	$820	$68
Progressive	$821	$68
GEICO	$827	$69
State Farm	$829	$69
Travelers	$831	$69
GEICO	$831	$69
Farmers	$833	$69
Root Insurance Company	$836	$70
Allstate	$836	$70
CSAA	$836	$70
Root Insurance Company	$839	$70
Farmers	$845	$70
Root Insurance Company	$852	$71
Iowa Farm Bureau	$853	$71
Root Insurance Company	$853	$71
GEICO	$855	$71
Hartford	$859	$72
Farmers	$860	$72
Country Financial	$871	$73
CSAA	$873	$73
Iowa Farm Bureau	$882	$74
Nationwide	$883	$74
Root Insurance Company	$894	$74
Hartford	$900	$75
State Farm	$900	$75
Mercury	$905	$75
Mercury	$907	$76
Allstate	$908	$76
Root Insurance Company	$915	$76
CSAA	$916	$76
Country Financial	$919	$77
Farmers	$930	$78
Progressive	$934	$78
State Farm	$938	$78
State Farm	$938	$78
Iowa Farm Bureau	$951	$79
Iowa Farm Bureau	$952	$79
Allstate	$957	$80
Travelers	$957	$80
Progressive	$959	$80
Farmers	$972	$81
Allstate	$973	$81
Hartford	$975	$81
CSAA	$993	$83
Auto-Owners Insurance Co	$994	$83
Allstate	$995	$83
Farmers	$998	$83
Travelers	$1,003	$84
Travelers	$1,004	$84
CSAA	$1,006	$84
Mercury	$1,008	$84
Mercury	$1,014	$85
Iowa Farm Bureau	$1,015	$85
GEICO	$1,017	$85
State Farm	$1,017	$85
State Farm	$1,017	$85
GEICO	$1,025	$85
State Farm	$1,025	$85
Allstate	$1,034	$86
Farmers	$1,036	$86
CSAA	$1,040	$87
Allstate	$1,041	$87
Hartford	$1,043	$87
Nationwide	$1,046	$87
Auto-Owners Insurance Co	$1,052	$88
Auto-Owners Insurance Co	$1,052	$88
Travelers	$1,052	$88
Allstate	$1,055	$88
Travelers	$1,058	$88
GEICO	$1,062	$88
Travelers	$1,064	$89
Auto-Owners Insurance Co	$1,079	$90
GEICO	$1,082	$90
Allstate	$1,087	$91
Nationwide	$1,089	$91
Progressive	$1,104	$92
Travelers	$1,107	$92
State Farm	$1,110	$92
Travelers	$1,114	$93
Progressive	$1,117	$93
Auto-Owners Insurance Co	$1,119	$93
GEICO	$1,122	$94
Hartford	$1,123	$94
CSAA	$1,139	$95
Allstate	$1,140	$95
State Farm	$1,144	$95
Iowa Farm Bureau	$1,153	$96
Hartford	$1,156	$96
CSAA	$1,162	$97
Travelers	$1,169	$97
Allstate	$1,187	$99
Iowa Farm Bureau	$1,188	$99
CSAA	$1,191	$99
GEICO	$1,193	$99
Allstate	$1,199	$100
Iowa Farm Bureau	$1,208	$101
Progressive	$1,215	$101
Country Financial	$1,216	$101
Iowa Farm Bureau	$1,218	$101
CSAA	$1,239	$103
Nationwide	$1,243	$104
Hartford	$1,247	$104
Farmers	$1,248	$104
The General	$1,251	$104
GEICO	$1,257	$105
Iowa Farm Bureau	$1,281	$107
State Farm	$1,294	$108
State Farm	$1,294	$108
Progressive	$1,294	$108
GEICO	$1,306	$109
Nationwide	$1,311	$109
Iowa Farm Bureau	$1,312	$109
Hartford	$1,315	$110
Progressive	$1,320	$110
Farmers	$1,320	$110
CSAA	$1,324	$110
Hartford	$1,337	$111
GEICO	$1,337	$111
Nationwide	$1,339	$112
Farmers	$1,346	$112
Hartford	$1,346	$112
Progressive	$1,352	$113
Country Financial	$1,369	$114
Nationwide	$1,382	$115
Nationwide	$1,409	$117
State Farm	$1,413	$118
Hartford	$1,416	$118
Auto-Owners Insurance Co	$1,423	$119
The General	$1,438	$120
CSAA	$1,439	$120
Farmers	$1,449	$121
Hartford	$1,453	$121
Auto-Owners Insurance Co	$1,471	$123
Farmers	$1,496	$125
Mercury	$1,500	$125
Progressive	$1,503	$125
CSAA	$1,526	$127
Farmers	$1,530	$128
Nationwide	$1,535	$128
The General	$1,535	$128
Allstate	$1,542	$129
Auto-Owners Insurance Co	$1,545	$129
Iowa Farm Bureau	$1,545	$129
Progressive	$1,547	$129
GEICO	$1,550	$129
Iowa Farm Bureau	$1,551	$129
Progressive	$1,551	$129
Nationwide	$1,604	$134
Country Financial	$1,608	$134
Mercury	$1,614	$134
CSAA	$1,614	$135
Farmers	$1,626	$136
CSAA	$1,636	$136
Iowa Farm Bureau	$1,646	$137
Farmers	$1,659	$138
The General	$1,671	$139
Farmers	$1,674	$139
Allstate	$1,677	$140
Nationwide	$1,695	$141
Mercury	$1,701	$142
Nationwide	$1,701	$142
Allstate	$1,703	$142
Country Financial	$1,740	$145
Mercury	$1,753	$146
The General	$1,762	$147
Allstate	$1,766	$147
Iowa Farm Bureau	$1,774	$148
Progressive	$1,775	$148
Hartford	$1,776	$148
CSAA	$1,792	$149
Country Financial	$1,802	$150
The General	$1,820	$152
Country Financial	$1,832	$153
Allstate	$1,850	$154
Farmers	$1,855	$155
Country Financial	$1,857	$155
Allstate	$1,874	$156
CSAA	$1,900	$158
The General	$1,911	$159
Allstate	$1,922	$160
GEICO	$1,925	$160
Mercury	$1,953	$163
The General	$1,965	$164
Country Financial	$1,967	$164
Nationwide	$1,987	$166
Hartford	$2,020	$168
GEICO	$2,036	$170
Auto-Owners Insurance Co	$2,037	$170
CSAA	$2,045	$170
Country Financial	$2,059	$172
Allstate	$2,068	$172
GEICO	$2,085	$174
Hartford	$2,086	$174
Iowa Farm Bureau	$2,088	$174
Mercury	$2,111	$176
Allstate	$2,151	$179
CSAA	$2,164	$180
The General	$2,191	$183
The General	$2,201	$183
Iowa Farm Bureau	$2,214	$185
Mercury	$2,252	$188
Nationwide	$2,295	$191
The General	$2,300	$192
Country Financial	$2,307	$192
Mercury	$2,378	$198
Iowa Farm Bureau	$2,386	$199
The General	$2,404	$200
Country Financial	$2,518	$210
Nationwide	$2,534	$211
The General	$2,560	$213
Country Financial	$2,673	$223
Mercury	$2,777	$231
Iowa Farm Bureau	$2,809	$234
The General	$2,862	$239
Nationwide	$2,945	$245
Nationwide	$2,983	$249
Mercury	$2,995	$250
Nationwide	$3,222	$268
The General	$3,329	$277
The General	$3,503	$292
The General	$3,614	$301
Nationwide	$3,632	$303
The General	$3,890	$324
The General	$3,926	$327
The General	$4,010	$334
The General	$4,321	$360
The General	$4,635	$386
The General	$4,849	$404
The General	$5,076	$423

What Is SR-22 in Arizona?

You can demonstrate that you have car insurance through the submission of an SR-22. It acts as confirmation that you have the necessary liability insurance, but it is not insurance itself. Drivers are frequently asked to submit an SR-22 if they committed any major driving violations below:

Driving a vehicle under the influence
Hit and run
Reckless driving
Behaviors including speed racing
Driving with a suspended or invalid license
Fleeing from law enforcement

The duration that you must maintain your SR-22 on file in Arizona may vary. Usually, the standard requirement is to keep it up for three years following the relevant incident.

Your insurance provider will complete the SR-22 form on your behalf and deliver it to the Arizona Department of Transportation Motor Vehicle Division (ADOT MVD). If you submit an SR-22, insurers may see you as a high-risk driver. Providers may increase the cost you pay to counteract the increased risk they take on for offering you coverage.

MONEYGEEK EXPERT TIP

When you have met the requirements of the financial responsibility mandate in Arizona, your insurer is responsible for filing a Financial Responsibility Cancellation Form. By completing this paperwork, you attest that all conditions have been satisfied and that the specific financial responsibility filing, such as an SR-22, is no longer necessary.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Arizona

The cheapest SR-22 auto insurance options for non-car owners are provided by the following insurance companies in Arizona:

State Farm: $483 per year
Travelers: $483 per year

USAA could be a good option for military members, costing around $541 annually.

Drivers who don’t own vehicles might need an SR-22, depending on the situation. Non-owner auto insurance could be necessary if your car was totaled, taken away or you need to get your license reinstated. The most affordable non-owner SR-22 car insurance options in Arizona range from $483 to $1,215. These can be viewed in the table below.

Driving Violation

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$342	$28
Travelers	$403	$34
State Farm	$421	$35
State Farm	$483	$40
Travelers	$483	$40
Auto-Owners Insurance Co	$488	$41
GEICO	$550	$46
Progressive	$604	$50
Farmers	$639	$53
GEICO	$798	$67
Progressive	$847	$71
Nationwide	$931	$78
Farmers	$983	$82
Nationwide	$1,215	$101

WHAT IS NON-OWNER CAR INSURANCE?

Auto insurance for non-owners does not cover bodily harm to you or anybody in your vehicle, only property damage and bodily injury to third parties. Some of the individuals who might need this insurance include drivers who operate ridesharing services, those who rent vehicles and commercial drivers.

To assist you in finding the best rates, we reviewed cheap non-owner auto insurance in Arizona.

Average Cost of SR-22 Car Insurance in Arizona

The average cost of SR-22 insurance for someone with a DUI in Arizona is $855 for minimum coverage and $1,790 for full coverage. Even minor offenses like receiving a speeding ticket could result in the need for you to present such documentation.

Insurance providers view you as a more dangerous driver if you have a history of driving offenses. They use statistical data and risk analysis algorithms to predict a driver's probability of filing a claim. The additional risk that your driving history presents is taken into account when calculating your insurance premiums, causing them to be higher than drivers with clean records.

Age Group

Coverage

Driving Record	Annual Premium	Monthly Premium
DUI	$882	$74
Clean	$1,078	$90
DUI	$2,184	$182
At-Fault Accident	$1,739	$145
Ticket	$1,776	$148
Clean	$506	$42
DUI	$1,038	$87
Ticket	$1,422	$118
At-Fault Accident	$1,726	$144
At-Fault Accident	$2,108	$176
At-Fault Accident	$812	$68
At-Fault Accident	$990	$82
DUI	$1,790	$149
Clean	$1,383	$115
At-Fault Accident	$852	$71
DUI	$855	$71
Clean	$637	$53
Ticket	$665	$55
Ticket	$1,431	$119
Clean	$511	$43
Clean	$1,045	$87
Ticket	$693	$58
DUI	$1,771	$148
Ticket	$824	$69

MONEYGEEK EXPERT TIP

MoneyGeek highly recommends drivers in Arizona who must carry SR-22 insurance compare quotes ideally once a year or every time they renew their coverage. Since insurance rates may differ greatly among insurers, shopping around might help you obtain the most competitive premium on your SR-22 insurance.

How SR-22 Affects Car Insurance Rates in Arizona

The submission of an SR-22 can have a significant impact on the price of auto insurance, usually leading to higher premiums. Drivers in Arizona who are required to file an SR-22 could experience an average rate increase of $333 for minimum coverage.

Multiple variables, including the company that provides the coverage, someone's driving record, state laws and the severity of the violation, will impact insurance costs. It is wise to compare rates from several companies to locate the most cost-effective SR-22 insurance that satisfies Arizona's financial responsibility standards.

Car Insurance Rate Comparison Based on Driving Records in Arizona

Clean Driving Record

Annual Premium for Minimum Coverage

$522

After a DUI

Annual Premium for Minimum Coverage

$855

Car insurance premiums after a DUI are on average:$333 more

This is 64% more expensive.

Other Effects of SR-22 on Car Insurance in Arizona

Besides contributing to higher rates, obtaining an SR-22 in Arizona may result in other consequences for your car insurance. Below is a list of several ways that filing an SR-22 could affect your insurance.

Limited number of insurance options

Since some companies do not offer SR-22 filings, your options for choosing an insurance company may be constrained. Plus, if you need to file an SR-22, your options could be limited because certain insurers may not want to represent high-risk drivers.

Duration of the required filing

Arizona's SR-22 insurance filing regulations may vary as time passes based on your driving offense. In Arizona, SR-22 forms are normally submitted for three years following the qualifying incident.

Filing costs

There could be extra filing fees associated with an SR-22 insurance file in Arizona. The policyholder is frequently responsible for the administrative costs associated with this filing process. Fees can range from $15 to $50 and generally only need to be paid once in most states.

Possibly terminating your coverage

If you submit SR-22 insurance documentation in Arizona, your insurance could be canceled. This is because some insurers may not want to cover you after a serious violation.

How to Get SR-22 Insurance in Arizona

After a serious driving offense, you generally complete the steps below to obtain insurance in Arizona:

Locate an insurer that specializes in offering protection to those with driving violations.
Get auto insurance that satisfies Arizona's minimum liability standards.
Request that your insurer submit an SR-22 form on your behalf to ADOT MVD.
Pay any costs required for submitting the SR-22 form.
Keep the SR-22 file up to date during the necessary time to make sure you keep your insurance coverage as stipulated by the state laws.

You can prove to the relevant authorities that you take accountability for your conduct on the road by having SR-22 insurance.

ARIZONA LICENSE REINSTATEMENT FEE

An application fee and a $10 or $20 reinstatement fee are required to get your license back. You have to apply in person if you do not have a digital photo on file.

Reinstatement fees for driver's licenses might fluctuate, so it's always wise to check with the ADOT MVD office or their official website for the most up-to-date information.

How to Get Cheaper Car Insurance in Arizona After a DUI

If you purchase insurance following a DUI, your premiums will probably go up. Insurers frequently view DUIs as a major risk factor, which raises premiums. You can use these steps to lower your total SR-22 car insurance rates in Arizona.

Instantly compare prices
Check out the prices that different insurers offer. Variations in pricing and underwriting standards might be offered by insurance providers for DUIs in Arizona. You might be able to select an alternative that is affordable by getting quotes from several insurance companies.
Continue to evaluate rates
Even if you found a cheap auto insurance plan, it's wise to periodically shop around to find out if you can get an even better offer. Several insurance companies may offer you cheaper prices if your driving history improves and you show that you are committed to safe driving practices.
Observe safe driving practices
The cost of your insurance may gradually go down if you consistently drive carefully. Keep a spotless driving record by adhering to traffic regulations and committing any new violations. A DUI could eventually have a smaller impact on insurance prices as time goes on.
Attend seminars or programs for DUI
Individuals who actively sign up for safety driving classes may receive discounts from some insurance companies. These courses can help you become a better driver and show insurance companies that you are committed to driving safely, which could lead to lower insurance costs.
Pay attention to promotions
For customers who meet specific requirements, several auto insurance companies offer discounts. For example, you can be eligible for a discount if you bundle coverages or sign up for automatic payments.

MONEYGEEK EXPERT TIP

Non-standard auto insurance is for people who could have difficulty getting coverage from conventional insurers due to prior driving offenses. Although this kind of insurance often has higher premiums, it is available as a choice for high-risk drivers who may have trouble obtaining standard coverage.

Frequently Asked Questions About SR-22 Insurance in Arizona

We answered frequently asked questions about SR-22 auto insurance in Arizona to help you navigate your options.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

sources

Arizona Department of Transportation. "Future Financial Responsibility." Accessed June 9, 2023.
Arizona Department of Transportation. "License Revocation and Suspension." Accessed June 9, 2023.

Cheapest SR-22 Car Insurance in Arizona (2023)

Compare Rates

On This Page:

Cheapest Companies for SR-22 Car Insurance in Arizona

Compare Auto Insurance Rates

What Is SR-22 in Arizona?

Cheapest Companies for Non-Owner SR-22 Car Insurance in Arizona

Average Cost of SR-22 Car Insurance in Arizona

How SR-22 Affects Car Insurance Rates in Arizona

Car Insurance Rate Comparison Based on Driving Records in Arizona

Other Effects of SR-22 on Car Insurance in Arizona

Limited number of insurance options

Duration of the required filing

Filing costs

Possibly terminating your coverage

Compare Auto Insurance Rates

How to Get SR-22 Insurance in Arizona

How to Get Cheaper Car Insurance in Arizona After a DUI

Frequently Asked Questions About SR-22 Insurance in Arizona

sources