Cheap Arizona SR22 Insurance: Rates & Facts

Drivers in the state of Arizona are required to be covered by liability insurance. The insurance must be obtained through an authorized company which has the permission to do business in the state.

When someone is involved in an automobile accident in Arizona, or if they are pulled over by a police officer at the side of the road, they will be asked to show proof of insurance. If the individual is found to be driving without insurance, their vehicle registration and their driver’s license may be suspended. Once the suspension is over, the individual will be required to prove financial responsibility in order to receive reinstatement of their vehicle registration and their driver’s license. An SR22 is also known as a Certificate of Financial Responsibility.

Average Company Average Annual SR22 Insurance Rate in AZ

Company	Average Annual Rate
Progressive	$580
State Farm	$684
CSAA	$711
GEICO	$735
Mercury	$749
Country Financial	$806
American Family	$807
Hartford	$877
USAA	$903
Travelers	$957
Esurance	$1,010
Nationwide	$1,057
Farmers	$1,161
Allstate	$1,238
MetLife	$2,096

Rates For SR-22 Insurance In AZ By Company (Liability Only)

Company	SR22 Liability (average)
21st Century	N/A
USAA	N/A
Acceptance RTR	$110.00
National General	$104.00
Safeco	N/A
State Farm	N/A
Liberty Mutual	$135.00
Travelers	N/A
Dairyland	$84.00
Allstate	N/A

Cost Of SR-22 Insurance In Arizona (Full Coverage)

Full coverage implies that things like theft, vandalism, fire, glass breakage, and impact with an animal, such as a deer, elk, antelope, javelina, or coyote, common to Arizona. It also covers your vehicle if damaged in the accident regardless of fault.

City	Price
Vail	$163
San Tan Valley	$152
Safford	$169
Gold Canyon	$169
Tuba City	$173
Bullhead City	$161
Picture Rocks	$177
Saddlebrooke	$164
Scottsdale	$154
Green Valley	$154

Cheapest SR-22 Insurance Companies in AZ, by City

[Coming soon]

SR-22 Non-Owner Insurance Rates by Company in AZ

[Coming soon]

Which Companies Offer SR-22 Insurance in AZ?

Some companies target high risk drivers, such as those who need an SR22. Progressive was one company that got its start this way. Main market and family oriented companies like Nationwide, American Family, and Travelers.

Company	SR22 Offered
USAA	No
Safeco	No
Geico	Yes
Bristol West	Yes
The General	Yes
Mendota Ins. Company	Yes
Dairyland	Yes
Progressive Insurance	Yes
State Auto	No
Travelers	No
American Family	No
21st Century	No
National General	Yes
Nationwide	No
Acceptance RTR	Yes
Farmers	Yes

Company Fees For A Financial Responsibly Form SR-22 Insurance in AZ

This is the cost for the insurance company to file the SR22 form with the state and is usually mandatory.

AssuranceAmerica	$25.00
Safeco	na
Progressive Insurance	$25.00
21st Century	na
National General	NA
Travelers	na
American Family	na
Acceptance RTR	$25.00
GAINSCO	$25.00
Bristol West	$25.00
Farmers	$15-$28
Liberty Mutual	$15-$25
Dairyland	Free
USAA	na
Nationwide	na
Allstate	Unknown
Mendota Ins. Company	$25.00

How Much More Does SR22 Insurance Cost Compared to Regular Insurance in AZ?

Company	Avg. cost per year	Avg. cost per year with SR-22 and DUI	% change
Progressive	$872	$1,164	33.49%
CSAA	$802	$1,280	59.60%
USAA	$640	$1,700	165.63%
Geico	$1,008	$1,718	70.44%
State Farm	$1,440	$2,400	66.67%
Trumbull Insurance (AARP)	$2,332	$3,617	55.10%
Allstate	$2,036	$3,894	91.26%
Farmers	$3,223	$5,628	74.62%

SR22 Facts & Questions

How to File an SR-22 Insurance in Arizona

• Find an insurer. Ask your insurer if it issues SR-22s in the state of Arizona. If it doesn’t, you’ll need to find a car insurance company that does.
• Pay the SR-22 fee. To finalize your SR-22, you pay a fee to your insurer for processing and the convenience of filing on your behalf.
• Verify minimum liability coverage. If you’re already insured, call your provider to verify your policy includes at least:
  • $15,000 for injury or death to one person.
  • $30,000 for injury or death to more than one person.
  • $10,000 for damage to property.

These are the minimum coverage requirements for the state of Arizona that you might see listed as 15/30/10 in insurance documents.

• Submit your SR-22. Your insurance agent will file your SR-22 with the Arizona Secretary of State’s office.
• Wait for confirmation. You’ll receive a letter from your insurer and the state of Arizona that your SR-22 is accepted.

When is SR-22 Insurance in Arizona Required?

“SR” stands for Safety Responsibility law. SR-22 is a document which verifies that someone has automobile insurance. It is prepared by the insurance company and is filed with the DMV. One thing to know about the SR-22 is that it is not an insurance policy, but it is evidence that you have a policy.

If a driver is convicted of a DUI, reckless driving, driving without insurance, or any other driving violation which results in the suspension of their driver’s license, then the driver will be required to have an SR-22 in order to reinstate their driver’s license. If you own a motor vehicle, you will be required to have the SR-22, but if you don’t own a vehicle, then you will be required to have a non-owner SR-22.

In most cases, the driver will be required to have the SR-22 for a number of years. For example, in case of a DUI conviction, SR-22 is required for 5 years. If the policy holder fails to pay the premiums, their SR-22 is cancelled and an SR-26 is filed with the DMV instead. When DMV receives the SR-22, the policy holder’s driver’s license is suspended until a new SR-22 is filed.

How Much Does SR-22 Cost?

Filing for an SR-22 form costs $25. That’s a one-time fee, but be aware that your car insurance will cost more once an SR-22 is attached. The additional costs per month change depending on where you live and what led to your SR-22. Each car insurance company also has different rates, so it’s important to shop around.

If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.

Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.

Non-Owners SR22 Insurance in Arizona

There are Two types of SR22 certificates that exist in Arizona:

• Non-Owners: A certificate that proves financial responsibility in situations where the driver is not the owner of the vehicle.
• Standard SR22: A certificate that proves financial responsibility in situations where the driver owns the vehicle.

Laws Specific to SR-22 Insurance in Arizona

SR-22 laws vary state by state. In Arizona, you’ll need an SR-22 form on top of your insurance policy if your license is revoked or suspended as the result of a court-convicted DUI violation. You’ll also need an SR-22 after an implied-consent DUI refusal or a violation of Arizona vehicle insurance laws.

If you fall under one of these categories, you’ll need to provide an SR-22 to your Motor Vehicle Division (MVD).

In Arizona, SR-22s are required for all DUI criminal convictions, but they are not required for an automatic 15-day MVD implied consent violation. Some experts advise you to consult with a DUI attorney when it comes to accepting an automatic MVD suspension because SR-22 forms can dramatically increase your rates for some insurance providers.

In Arizona, SR-22s are required for all DUI criminal convictions, but they are not required for an automatic 15-day MVD implied consent violation. Some experts advise you to consult with a DUI attorney when it comes to accepting an automatic MVD suspension because SR-22 forms can dramatically increase your rates for some insurance providers.

If you are an Arizona-licensed driver, you’ll need an SR-22 for 3 years, starting from the date you became eligible for reinstatement. If you fail to maintain proof, you could have your license and registration suspended until you can provide proof of an SR-22.

Arizona Driving Under the Influence (DUI)

Arizona is known as one of the states with the strictest drunk driving laws. On a first offense Arizona DUI you could face up to 10 days in jail, minimum fees of $1250, substance abuse counseling, approved traffic survival school course, community restitution, license suspension and required Ignition Interlock Device (IID) installation. If you refuse to take a test to determine your Blood Alcohol Content (BAC), you will face an automatic one-year suspension of your license. To reinstate your driving privileges after a DUI related suspension, you will have to pay mandatory reinstatement fees and file an SR-22.

Get your Arizona SR22 Quote Today

Let SR-22 Insurance help you get started today. Fill out your information online for a free SR-22 quote. Our licensed insurance agents will walk you through the reinstatement process and help you get back on the road. We understand that this can be an overwhelming and stressful time, let our staff help you with all of your insurance and licensing needs. We are America’s SR22 Insurance Expert.