Arizona SR-22 Insurance: The Cheapest Companies and Average Costs

For Arizona drivers convicted of a serious traffic violation, like driving with a suspended license, their car insurance provider needs to file an SR-22 form with the government. This form certifies that their coverage meets Arizona’s minimum auto insurance requirements. SR-22 insurance is more expensive than regular car insurance because it covers drivers with severe violations like DUI. Progressive is the cheapest SR-22 insurance provider in Arizona for most drivers, with average rates of $580 per year for minimum DUI coverage.

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Advertising & Editorial DisclosureLast Updated: 11/8/2022
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Which Arizona Insurance Companies Offer the Cheapest SR-22 Insurance?

You only need to pay a nominal fee to get your SR-22 certificate filed, but you will likely pay much more than a typical driver for your insurance. Minimum-coverage SR-22 insurance in Arizona for a DUI costs around $958 per year on average. In contrast, the most affordable car insurance in Arizona for drivers with a clean record is $631.

Progressive is the best bet for cheap SR-22 insurance in Arizona. Its SR-22 insurance coverage costs $580 annually on average for a DUI. The costliest carrier in the state for minimum DUI SR-22 coverage is MetLife, with an average yearly cost of $2,096.

Cheapest Companies for SR-22 Insurance in Arizona

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These prices in these two columns are for a package meeting Arizona’s minimum car insurance requirements and a full-coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs. Different providers offer different average insurance rates. To get the cheapest SR-22 insurance in Arizona, you should compare quotes from at least three companies.

Those willing to pay a little bit more for better insurance can also shop for the best car insurance companies in Arizona.

Key Takeaways


You need to pay a filing fee of about $25 for your SR-22 insurance form.


Drivers with SR-22 policies are unlikely to qualify for good driver discounts.


Your average car insurance costs may rise if the violation is serious. For example, rates are steeper for a severe offense like a hit-and-run accident.

What Is SR-22 Insurance in Arizona? Who Needs It? How Do You Get It?

SR-22 is not a type of car insurance. Instead, it is a certificate filed by your carrier that assures the government that you meet your state’s minimum liability coverage standards. This form needs to be submitted for drivers who commit a serious traffic violation. SR-22 insurance for a DUI can be expensive. Check with your insurer to see if they will file the SR-22 certificate on your behalf.

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Drivers who need an SR-22 must prove they meet Arizona’s minimum car insurance requirements. These requirements include:

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

Read more with MoneyGeek's Arizona car insurance resources or estimate rates with our Arizona car insurance calculator.

Who Needs SR-22 Insurance in Arizona? And for How Long Do They Need It?

Traffic offenses that need an SR-22 insurance filing vary in each state. In Arizona, drivers who commit the following violations are required to file an SR-22:

  • Driving with a suspended license
  • Driving without insurance coverage
  • Reckless driving
  • DUI

For a minor offense, an SR-22 is not necessary. If you’re searching for insurance after a ticket or accident, you should still compare quotes to get lower rates, but in general, you won’t need to pay the high costs of an SR-22 policy.

How long you need SR-22 insurance in Arizona depends on your offense, but it is three years in most cases. If your violation results in your license being temporarily revoked, the three-year period starts when your license is reinstated.

How Do You Get SR-22 Insurance in Arizona?

To get your SR-22 form filed, you need to request it from your car insurance provider. But they may elect not to perform this service for you if they determine you are too risky to cover. Even if you secure SR-22 insurance coverage, you will need to pay higher premiums than before your conviction.

Non-Owner SR-22 Insurance in Arizona

Drivers who get a major traffic violation are liable to get their license suspended. To reinstate their license, they may have to file an SR-22 to verify that they have purchased car insurance even if they don’t own a vehicle.

Non-owner car insurance is the best and most affordable option for Arizona drivers who don’t own a car. These policies can help provide proof of liability insurance coverage and protect drivers who often use vehicles that are not their own, such as rented or borrowed cars.

In Arizona, the average cost of non-owner car insurance stands at $997 per year, but this can vary based on the insurer. The cheapest option in the state is State Farm, offering non-owner car insurance rates at an average of $394 per year. Following this is Travelers, charging an average of $566 per year.

The Average Cost of Non-Owner SR-22 Car Insurance in Arizona

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Rates were gathered by MoneyGeek based on a sample profile of an Arizona-based driver with a DUI looking for 50/100/50 coverage, including $100,000 in bodily injury liability per accident with a $50,000 limit per person and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in Arizona

Drivers who need SR-22 insurance in Arizona often ask the following questions about getting car insurance coverage.

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MoneyGeek analyzed car insurance premiums from 15 of the top insurance companies in Arizona that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Arizona. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full-coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.