SR-22 Insurance in Arizona

Driving is an important responsibility that requires caution, concentration, and good decision-making. Nevertheless, sometimes even the most experienced drivers make mistakes. After a DUI or an incident of reckless driving, you could be tasked with obtaining proof of auto insurance through an SR-22. As a resident, it is beneficial to familiarize yourself with mandatory auto insurance in Arizona. An SR-22 which is also referred to as an SR-22 form is a certificate of financial responsibility, not actual insurance. SR stands for safety responsibility and is a document that is prepared by an insurance company when you purchase auto insurance. The insurance company then files the SR-22 with the Arizona Motor Vehicle Division (MVD). The purpose of an SR-22 is to prove you have the state-required auto insurance.  

If you are unsure about the SR-22 requirements for Arizona drivers, don't worry! Access Insurance Agency of Arizona, LLC is here to break down the basics of mandatory auto insurance. 

When is an SR-22 required in Arizona? 

Wondering when an insurer might be required to file an SR-22 form in Arizona? Generally, an SR-22 document will be required by a court in instances where there has been a serious driving incident or violation including but not limited to: 

•  A DUI/DWI 
• Driving without insurance 
• Repeat traffic offenses or reckless driving 
• Suspended or revoked license 
• Too many unpaid parking tickets 
• Too many points on your license 

In Arizona, the most common reason for obtaining a court-ordered SR-22 is after a DUI, DWI, or a violation for driving without insurance. Typically, these offenses lead to a driver’s license suspension or revocation, in which case you will need to secure an SR-22 to have your license reinstated.  

Arizona SR-22 requirements 

Per Arizona’s SR-22 requirements, you must obtain a minimum coverage policy of at least $25,000 for bodily injury liability for one person, $50,000 of bodily injury liability for two or more people, and $15,000 for property damage liability. Many insurance providers will show this coverage as a split limit of 25/50/15. It is important to note this is the minimum insurance requirement for all drivers in Arizona. The process of filing an SR-22 with the Arizona MVD is relatively simple. Once you first secure your SR-22 from a licensed Arizona provider you will pay a small fee, and your provider will submit it to the Arizona MVD, along with a driver’s license reinstatement application. Please note that other fees, DUI penalties, and safety classes could be deemed necessary. It is imperative to comply with all court orders and MVD recommendations. Typically, an SR-22 in Arizona will be required for three years.  

Laws specific to SR-22 insurance in Arizona 

In most DUI criminal convictions in Arizona, an SR-22 will be required. However, an SR-22 is not required for an automatic 15-day MVD implied consent violation. An MVD implied consent violation is the suspension of driving privileges that can occur after a person refuses to consent to a test of blood, breath, or urine.  

 If your license is revoked or suspended by the MVD you must present an SR-22 from a company licensed to conduct business in Arizona, or a certificate from the Arizona Office of Treasurer showing deposit in cash or certificates of deposit of $40,000. Failure to provide this proof of financial responsibility could lead to continued license suspension and fines.  

How much does SR-22 insurance cost in Arizona? 

Searching for “cheap SR-22 insurance in Arizona?’’ While an SR-22 requirement will most likely cause an increase in your car insurance rates, it is possible to find affordable insurance and get an SR-22 in Arizona. The cost to obtain an SR-22 certificate typically ranges from $20-30. However, once your SR-22 is filed, that could lead to a higher premium as insurance companies see drivers who commit serious violations such as DUI or DWI as greater risks.  

Your insurance provider will likely examine a variety of factors to determine the cost of your new insurance such as: 

• Your driving record 
• Car model 
• Credit history 
• Location  

Generally speaking, insurance rates in densely populated areas such as Phoenix or Glendale will be higher than for someone who lives in a more rural location. To fully explore your options for affordable SR-22 insurance in Arizona contact one of our Access Insurance Agents at 855-292-4010.  

How to file an SR-22 insurance in Arizona 

Navigating how to get SR-22 insurance? Not all insurance providers may be willing to take on a ‘high-risk’ driver who needs an SR-22 certificate. Make sure you find an insurance provider who offers an SR-22 filing in Arizona. If your current provider does not offer this service, you may need to shop around and compare premiums. Be prepared to be honest about your situation and answer questions relating to your conviction or violation. Once you have selected a new insurance provider and established your SR-22 requirements, you will pay a fee to finalize the filing of the form. Your insurance company will then file with ADOT and provide you with a copy of the SR-22. 

How to remove the SR-22 requirement 

In most circumstances, you will need to maintain your SR-22 with the Arizona MVD for three continuous years. You mustn't allow your coverage to lapse or cancel too early because then you will need to restart the process. Once you have fulfilled your three-year requirement reach out to the Arizona MVD to ensure you no longer need to maintain your SR-22 coverage. After you receive confirmation that you can cancel your SR-22, you can call your provider and have it removed. Once you have removed your SR-22, you may experience a decrease in your insurance premiums as you will no longer be deemed a ‘high-risk’ driver, and your violation will have been removed from your record.  

How to get SR-22 insurance in Arizona 

Securing SR-22 insurance in Arizona doesn't need to be overwhelming. Access Insurance Agency of Arizona has helped customers everywhere from Glendale to Mesa navigate this process. Come visit one of our trusted agents at any of our 13 convenient neighborhood locations throughout the state or give us a call at 855-292-4010 to discover your coverage options.  

FAQ 

How long is SR-22 required in Arizona? 

In Arizona, generally, an SR-22 will be required for three years.

What is Non-Owner SR-22 Insurance? 

Non-Owner SR-22 insurance may be required if you receive a driving violation or conviction and need an SR-22 but do not own your own vehicle. Even if you do not have your own vehicle, you will need to obtain an SR-22 to reinstate your license. The Non-Owner SR-22 insurance will show coverage for the policyholder, not a specific vehicle.

Do I need an SR-22 to reinstate my license in Arizona? 

In many instances, especially those related to alcohol and drug-related revocations, you may need to acquire an SR-22 to reinstate your Arizona driver’s license.

When do I need SR-22 insurance? 

Usually, an SR-22 filing will be mandated upon conviction of serious driving offenses or accumulation of many minor driving violations.

Can I change insurance companies with an SR-22?

Yes, you can change insurance companies if an SR-22 is filed. Since many insurance companies may not be able to offer you coverage after learning about your SR-22 requirement, you may need to switch providers or shop around to uncover the best rates for your new auto insurance policy.