Updated April 2026
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
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Sources
- Arizona Motor Vehicle Division (MVD) — SR-22 requirements and filing procedures
- Arizona Revised Statutes Title 28 — Financial responsibility and insurance requirements
- Arizona Department of Insurance and Financial Institutions — Consumer insurance guides