Cheapest SR-22 Car Insurance in Arizona (August 2024)

An SR-22 is a certification of financial responsibility required for drivers who've committed certain violations, such as DUI or reckless driving. In Arizona, you or your insurance company must file an SR-22 to prove you meet the state's minimum coverage requirements of 25/50/15. While the SR-22 itself doesn't affect your rates, the infractions necessitating it can lead to higher premiums.

For those in need of SR-22 filings, the most affordable company for state minimum coverage is Root Insurance Company, with an average annual rate of $504. The second most affordable option is State Farm, with a yearly premium of $608. Drivers requiring a non-owner SR-22 filing will find the lowest rates with State Farm and Travelers. Both offer policies at an annual cost of $483.

The most affordable companies for state minimum coverage SR-22 car insurance in Arizona are:

• Root Insurance Company: $42 per month; $504 per year
• State Farm: $51 per month; $608 per year

The top choices for affordable full coverage SR-22 insurance in Arizona are:

• Root Insurance Company: $66 per month; $798 per year
• State Farm: $109 per month; $1,309 per year

After a moving violation, it's common to face higher car insurance rates as insurance providers may consider you a high-risk driver. Despite this, you can find cheap SR-22 car insurance by comparing quotes from various companies. State minimum coverage is typically the least expensive option, whereas full coverage car insurance offers more protection at a higher cost. Finding the cheapest provider for your SR-22 insurance in the Grand Canyon State is essential to keep your expenses in check while adhering to legal requirements.

The companies with the cheapest non-owner SR-22 insurance in Arizona are:

• State Farm: $40 per month; $483 per year
• Travelers: $40 per month; $483 per year

Non-owner car insurance can satisfy the minimum coverage requirements for individuals who need to file an SR-22 but do not own a car. This is often necessary after a license suspension, revocation or certain serious traffic offenses. For non-owner drivers, finding the most affordable insurance provider is crucial to ensure compliance with state requirements without overpaying.

An SR-22 is a certificate of financial responsibility that your insurance company files with the state. In Arizona, it's required for drivers who've committed serious traffic offenses like DUI, driving without insurance or repeat traffic violations. You must maintain an SR-22 for three years. If your SR-22 is canceled, terminated or lapses, your insurer will notify the Arizona Department of Public Safety.

An SR-22 doesn't offer coverage; it proves you have the minimum car insurance requirements, which include:

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

If you don't own a car, you'll need SR-22 non-owner car insurance. Remember that carrying an insurance policy card does not replace an SR-22.

Arizona drivers who have a DUI, reckless driving or other major traffic violations need an SR-22. This form proves you have minimum coverage auto insurance. It's filed by you or your insurer to keep your license active. An SR-22 is required for three years and confirms your coverage meets at least the 25/50/15 minimum. If your policy lapses, your insurer will notify the state. These specific convictions would trigger the need for an SR-22:

Having an SR-22 in Arizona means you might pay more for car insurance and have fewer choices for coverage. You could even be turned down for insurance or lose your policy mid-term. Keeping your insurance going without a break is important because any gap can make you restart your SR-22 requirement. An SR-22 usually lasts three years in Arizona.

Knowing the rules about SR-22 is key. If you don't file one when you should, you could get into legal trouble and lose your driving privileges. Below is the list of how an SR-22 negatively impacts your car insurance in the Grand Canyon State:

Drivers with a DUI in Arizona pay an average of $2,311 per year for full coverage SR-22 car insurance. For state minimum coverage, the cost drops to $1,106 annually. In contrast, drivers with a clean record pay around $1,420 per year for full coverage and $676 for state minimum coverage. The severity of your offense directly impacts your premiums.

It's not the SR-22 certificate that raises your rates but the violations associated with it. Repeat offenders or those with severe violations may face nonrenewal or increased rates at renewal. In Arizona, an SR-22 certificate is typically required for three years. During this period, you must maintain a minimum liability coverage of 25/50/15.

Filing an SR-22 in Arizona is mandatory after severe traffic offenses like DUI. It's a non-negotiable step to maintain your driving privileges. Noncompliance can lead to serious legal consequences and the loss of driving rights. Here are the steps to secure an SR-22 in Arizona:

If your SR-22 lapses, Arizona will suspend your driving privileges. You'll need a new SR-22 to prove you have state minimum coverage to drive again. The cost for a new SR-22 varies, but expect to pay around $25 plus your insurance premium.

A DUI on your record can raise your annual car insurance premium. For instance, comparing a clean driving record to one with a DUI shows an increase from $56 per month to $92 for car insurance after a DUI. However, affordable coverage is still available.

Securing affordable SR-22 insurance in Arizona can be challenging. Get answers to commonly asked questions about finding the most cost-effective coverage.