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Arizona SR-22 Car Insurance (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for SR-22 Insurance in Arizona (2022)

For drivers with SR-22 in Arizona, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Arizona. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Arizona.

CarrierAvg. Monthly Cost
Novo$124
Sun Coast$158
Freedom National$162
Travelers$174
Bristol West$179
Kemper$191
TSC$194
Gainsco$208
Mercury$214
Foremost Signature$221

How Much Does SR-22 Insurance Cost in Arizona?

Premiums for drivers with an SR-22 in Arizona average out to $235 monthly. The increase is 16 percent more than those with a clean record pay. At $32 more a month, SR-22 insurance policies cost a total of $1,152 more over the three years required in Arizona.

No Violation - Avgerage Monthly Rate
$203
With SR-22 - Average Monthly Rate
$235
$32 ▴
15.76% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate

Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

What Is an SR-22, and Who Needs One in Arizona?

Arizona requires an SR-22 for those who need to show financial responsibility beyond just their insurance card. It's a form filed with the state by the insurance company and demonstrates that the driver has enough insurance on file. Often, this additional requirement is part of a sentence for a DUI or major moving violation. In Arizona, an SR-22 can be required when a driver refuses a drug or alcohol test.

Because states require SR-22 of drivers who have exhibited high-risk behaviors, some insurance providers won't cover them. There are, however, companies that specialize in protecting high-risk drivers and are glad to have them on board.

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How Much Does Credit Score Affect SR-22 Insurance Costs in Arizona?

Both credit scores and high-risk violations impact insurance rates. An SR-22 costs high-risk drivers $46 to $57 more per month than the average driver. Those with poor credit are already in a financial pinch, paying $236 per month on average to insure their ride. Adding an SR-22 on top of their policy increases rates for these drivers by $57.

Credit TierAvg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22 Difference
Excellent$194$240$46
Good$216$268$52
Average$218$270$52
Poor$236$293$57

How to Find the Best SR-22 Insurance Rate in Arizona

It isn't too hard to get an SR-22 in Arizona. You'll first want to talk to your current insurance carrier and ask them if they will file one for you. If they refuse, you'll have to start shopping around with other insurance companies. Once the insurance company files the SR-22 with the state, they will provide you a copy, too. This copy must be kept with you and used as proof of insurance. Just having your insurance card on hand won't do.

Non-Owner SR-22 Insurance in Arizona

If you don't own a vehicle but need insurance, you can get it whether or not you require an SR-22. This type of insurance is called non-owner insurance and protects you in whatever car you may have permission to borrow. Additionally, if you need an SR-22, you can ask your insurance agent for that on top of the non-owner insurance. Since insurers associate an SR-22 with high-risk drivers, you may have to call around to find an affordable carrier that will sell you a policy and file this form for you.

Alternatives to an SR-22 in Arizona

While an SR-22 allows you to get back your driver's license in Arizona, there are other ways of proving financial responsibility in the state. Putting up a $40,000 bond proves you can pay for damages resulting from an accident. If you don't have that kind of money, just wait out the three years of your SR-22, and then make sure to hold minimum liability insurance from there on out.

How Do I Get SR-22 Insurance in Arizona

The insurance company files an SR-22 on a driver's behalf. If you can't find companies catering to the high-risk crowd, use Insurify to sort through all of your SR-22 options at once. Insurify runs data from hundreds of companies—including local and nationwide names—through their algorithms to unlock the best rates imaginable.

Frequently Asked Questions

  • The filing requirement period for an SR-22 can be two or three years. Most violations require the SR-22 to be on file for three years, except in the case of unsatisfied judgments. These cases require the SR-22 to be on file for two years.

  • If you move states, your SR-22 doesn't simply go away. In all likelihood, you'll have to file a new SR-22 with your new state. Don't forget this means that you'll be getting new insurance, too, as a state-specific policy is required.

  • Not filing an SR-22 even if you don't have a car can get you in trouble with the DMV. All you have to do is ask your insurance agent for a non-owner policy with minimum liability. They can attach the SR-22 form to that.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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