Cheapest SR-22 Car Insurance in Arizona

Travelers offers Arizona's cheapest SR-22 insurance at $1,255 for minimum coverage and $2,321 for full coverage. The minimum rate is $1,531 below the statewide average of $2,786, making Travelers about 55% cheaper than typical SR-22 prices in Arizona.  

Auto-Owners, the most expensive on our list, costs $2,760 for minimum coverage, actually 10% above the state average and $1,505 more than Travelers. These rate differences matter most for Arizona drivers shopping for lower-cost insurance for high-risk drivers after an SR-22 requirement.

The table below shows the five companies with the lowest SR-22 insurance rates in Arizona.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers most frequently wins categories statewide. The cheapest category is Drivers With Other Violations, at $1,033 for minimum coverage SR-22 insurance with Travelers, while the most expensive is Senior Drivers With a Suspension, at $1,402 with Travelers. The $368 spread demonstrates how suspension violations increase premiums across all age groups.

Expect your pricing to change based on your specific violation and how long it remains on your driving record.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Fort Defiance offers the lowest minimum coverage SR-22 rate at $799 (Travelers), while Glendale averages $1,428 (Travelers). The $629 difference equals about 79% higher in the Phoenix metro area, consistent with larger urban driving risks.

Local traffic density, claim activity, and repair costs are key inputs insurers use to set city-level SR-22 rates in Arizona.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers is the best car insurance provider for SR-22 filing with the best balance of affordable rates, good customer service, coverage options and the highest overall MoneyGeek score. Consider Progressive, State Farm, Auto-Owners and Farmers as well.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't insurance but a form your insurer files confirming you meet Arizona's Financial Responsibility law for license reinstatement.

To comply with Arizona laws, you must carry these minimum liability limits:

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

In Arizona, SR-22 certificates are required for three years. This period can extend beyond three years, depending on the violation severity, noncompliance with requirements or repeated offenses.

Filing an SR-22 is just one part of meeting Arizona's insurance requirements. Drivers must also comply with additional state regulations and coverage laws.

In Arizona, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available.

We answer common questions about SR-22 certifications in Arizona:

MoneyGeek analyzed hundreds of thousands of quotes across Arizona to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Arizona SR-22 driver profile: We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage levels and deductibles: We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Arizona's minimum coverage requirements, with these limits:

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

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Best SR-22 company rating methodology: We rated all companies based on this rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This weight reflects the primary concern most drivers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings and consumer feedback from Reddit discussions. We check these sources to see how companies perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.