Cheapest SR-22 Car Insurance in Arizona (2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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