Cheap SR-22 Insurance in Arizona (2024)

An SR-22 is a certificate of insurance that acts as proof of financial responsibility after you violate a law that leads to driver’s license suspension.

In Arizona, if you have to file an SR-22 insurance form in order to reinstate your driver’s license, you must maintain the SR-22 for three years from the date you become eligible for license reinstatement. If you fail to maintain an SR-22, your license will remain suspended.^[1]

Here’s a closer look at what you need to know about SR-22 insurance in Arizona.

What’s SR-22 insurance in Arizona, and when do you need it?

SR-22 forms aren’t a form of car insurance, even though some may refer to them as “SR-22 insurance.” SR-22 forms act as proof of future financial responsibility that a car insurance company files with your state on your behalf.^[1]

In the state of Arizona, you may need to file an SR-22 if the state revoked your driver’s license and you want to reinstate it. You also need to pay a $20 reinstatement fee and may have to take a written vision and road test.

Reasons Arizona may revoke your license include:^[2]

• Aggravated assault using a vehicle

• Homicide using a vehicle

• Leaving the site of an accident if you were involved

• Aggravated DUI

• Reckless driving (two or more convictions)

• Racing on the highways (two or more convictions)

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How can you get an SR-22 in Arizona?

The Arizona Department of Transportation will alert you if it revokes your license and you need SR-22 insurance.

According to Lauren McKenzie, senior agent at A Plus Insurance, when you buy auto insurance, the insurance agent searching for the insurance policy should determine the type of insurance policy based on your needs. 

“If the driver owns a vehicle, it can be written as a standard auto policy with an SR-22 added,” McKenzie says. “If the driver does not own a vehicle but still needs to have an SR-22 policy, they can write it as a nonowners policy with the SR-22 added.”

However, McKenzie notes that drivers may run into some issues while searching for insurance when they have an SR-22 requirement, as some car insurance companies won’t write an SR-22 policy.

How long is an SR-22 required in Arizona?

In Arizona, drivers must maintain proof of SR-22 financial responsibility on their insurance policy for three years from the date they become eligible for the reinstatement of their driver’s license.^[1]

How much is an SR-22 in Arizona?

It costs $20 to file an SR-22 in Arizona in order to reinstate your driver’s license.^[2] Additionally, it can cost more to buy a car insurance policy when you have an SR-22 requirement. In Arizona, the average monthly cost of a liability-only policy for drivers who need SR-22 insurance is $260.

The insurance company you choose can affect how much you’ll actually spend. For example, Mile Auto charges $116 per month, on average, for a liability-only policy for drivers with an SR-22. Kemper Speciality charges more than twice as much, at $247 per month on average.

Cheapest companies for SR-22 insurance in Arizona

Not sure what to budget for car insurance if you’re a driver with an SR-22 requirement in Arizona? The following table outlines the average monthly cost for a liability-only policy with some of the cheapest SR-22 insurance companies in Arizona.

Cheapest insurance companies in Arizona with SR-22 by city

The city you live in can affect how much you’ll spend on car insurance with an SR-22. For example, an SR-22 policy with Mercury Insurance in Glendale, Arizona, is an average of $273 a month but only $171 in Mesa — a 37% increase.

To better understand what it can cost to buy a liability-only policy as a driver with SR-22 requirements, check out the following table for average monthly policy rates.

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How an SR-22 affects driving record and future rates in Arizona

While a need for SR-22 insurance doesn’t directly impact the cost of an insurance policy, the incident that led to this requirement (like a DUI or reckless driving) is what can cause the price of an insurance policy to shoot up.

“The driver’s violations will impact the insurance rates more than the SR-22 itself,” McKenzie notes. “Major violations will stay on a driver’s record for up to five years, causing the insurance prices to be higher for the amount of time.”

Here are some things you can do to lower your car insurance costs:

• Ask for discounts. Don’t be afraid to ask your insurance company about any available discounts you may qualify for. Many insurers offer discounts for various reasons, such as completing an approved driver’s education course, installing anti-theft devices in your vehicle, or having good grades as a student. You may be surprised at how much you can save just by taking advantage of the discounts that work for you.

• Go for a higher deductible. If you’re looking for ways to save money on your auto insurance, consider increasing your deductible — but be strategic about how you do this. By agreeing to pay more money out of pocket in the event of an accident, you can lower your monthly premium. But this strategy only makes financial sense if you can afford to pay the higher deductible when you file a claim.^[3]

• Bundle insurance policies. If you have multiple insurance needs, such as home and auto coverage, consider bundling them with a single insurer. Many insurance companies offer discounts for bundling, which can help you save money on both policies. Plus, having all your insurance policies in one place can make managing them easier.

• Keep your credit score healthy. Your credit score can affect your auto insurance premiums. In most states, including Arizona, insurance companies can use credit scores to determine rates. Maintaining good credit can help you qualify for lower rates and keep more money in your pocket.^[4]

• Ask for quotes. When it comes to finding the best deal on your auto insurance, it’s a good idea to shop around. Comparing quotes from different insurance companies can help you save money while still maintaining the coverage you need. You can use online comparison tools to make the process easier, but it’s generally a good idea to get at least three quotes before making a decision.

Arizona SR-22 insurance FAQs