Minimum Coverage Requirements in Arizona
Arizona requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. 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.
How Much Does Car Insurance Cost in Arizona?
High-risk auto insurance rates in Arizona vary widely based on violation type, points on record, and how recently the incident occurred. A DUI conviction typically raises premiums 150–250% above baseline rates, while a single at-fault accident may increase rates 40–80%. SR-22 filing itself adds little cost, but the underlying violation drives the rate spike.
What Affects Your Rate
- Type of violation: DUI convictions carry the highest surcharges, followed by reckless driving and at-fault accidents
- Time since violation: rates typically decrease 10–20% annually as violations age, with full recovery after 3–5 years
- 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
- Coverage level selected: moving from 25/50/15 to 50/100/50 adds 15–30% in premium for high-risk profiles
- Vehicle type and value: comprehensive and collision premiums scale with vehicle replacement cost, compounding high-risk surcharges
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
