Cheapest SR-22 Car Insurance in Arizona (2024)

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Updated: May 20, 2024

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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.

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Why Trust MoneyGeek? Our team obtained data from the Arizona Department of Insurance and Quadrant Information Services to determine the most affordable SR-22 and FR-44 insurance companies for various driver profiles.

105,568Quotes Analyzed
16Companies Compared

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:

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
TravelersAnnual Premium$430Monthly Premium$36
Root Insurance CompanyAnnual Premium$475Monthly Premium$40
State FarmAnnual Premium$484Monthly Premium$40
MercuryAnnual Premium$491Monthly Premium$41
ProgressiveAnnual Premium$547Monthly Premium$46
Country FinancialAnnual Premium$662Monthly Premium$55
Auto-Owners Insurance CoAnnual Premium$732Monthly Premium$61
FarmersAnnual Premium$745Monthly Premium$62
HartfordAnnual Premium$765Monthly Premium$64
AllstateAnnual Premium$1,034Monthly Premium$86
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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.

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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:

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.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
State FarmAnnual Premium$483Monthly Premium$40
TravelersAnnual Premium$483Monthly Premium$40
Auto-Owners Insurance CoAnnual Premium$488Monthly Premium$41
GEICOAnnual Premium$798Monthly Premium$67
ProgressiveAnnual Premium$847Monthly Premium$71
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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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
CleanAnnual Premium$506Monthly Premium$42
At-Fault AccidentAnnual Premium$812Monthly Premium$68
DUIAnnual Premium$855Monthly Premium$71
TicketAnnual Premium$665Monthly Premium$55
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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

After a DUI

Annual Premium for Minimum Coverage

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.

Compare Auto Insurance Rates

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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.

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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.

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    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.

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    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.

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    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.

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    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.

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    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.

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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.

What are the cheapest SR-22 car insurance options in Arizona?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Arizona?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.