Arizona SR-22 & High-Risk Auto Insurance
Arizona requires 25/50/15 liability coverage and is an at-fault state.
Find Coverage with Points on Your LicenseArizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arizona
Drivers with a DUI, license suspension for points accumulation (8 points in 12 months), uninsured at-fault accidents, or repeat violations typically receive an SR-22 filing requirement from the Arizona Motor Vehicle Division (MVD). SR-22 is not insurance — it's a certificate filed by your carrier proving continuous coverage, and most violations trigger a 3-year filing period.
Liability Insurance
Full Coverage
SR-22 Insurance
Uninsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Arizona
$286–$306/mo
Typical monthly rate in Arizona, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Type of violation: DUI convictions carry the highest surcharges, followed by reckless driving and at-fault accidents
- Points on driving record: Arizona's point system adds surcharges per point, and 8 points in 12 months triggers suspension
- SR-22 filing status: the filing itself adds minimal cost, but carriers writing SR-22 policies are non-standard with higher base rates
- Vehicle type and value: comprehensive and collision premiums scale with vehicle replacement cost, compounding high-risk surcharges
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. Required by law and the foundation of any SR-22 policy in Arizona.
Full Coverage
Bundles liability, collision, and comprehensive into one policy. Required by lenders if your vehicle is financed or leased, even during an SR-22 period.
SR-22 Insurance
A certificate filed by your carrier proving you maintain continuous liability coverage. Not a separate policy, but a filing requirement added to your existing policy.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations who cannot secure coverage from standard carriers.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Arizona requires carriers to offer this, though you can decline in writing.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, regardless of who caused it. Required by lenders and useful for high-risk drivers with newer vehicles.