Arizona SR22 Insurance
Table of Contents
SR22 Insurance in Arizona
Drivers who are convicted of certain serious driving offenses in Arizona must request an SR-22 insurance document in order to reinstate their licenses after they were suspended.
Generally, there are 2 types of SR22 certificates issued by the state of Arizona:
- A certificate that proves financial responsibility in situations where the driver is not the owner of the vehicle.
- A certificate that proves financial responsibility in situations where the driver owns the vehicle.
Reasons You May Be Required to File an SR-22
- Suspended/revoked license
- Driving without insurance
- Multiple unpaid tickets
- Repeated smaller offenses, such as speeding tickets
- Too many points on your license
The minimum liability coverage in Arizona and, by extension, the minimum coverage guaranteed by an SR-22 insurance is the 15/30/10 insurance:
- $15,000 – injury or death of one person
- $30,000 – injury or death of more than one person
- $10,000 – damage to property
You can opt for a higher coverage, but choosing the minimum will keep the costs as low as possible.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
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,
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The process of filing an SR-22 Insurance
To file an SR-22 insurance in AZ, you have to:
- Find an Insurance Company. If your auto insurance company doesn’t issue SR-22s, look for an agency that does.
- Look into the Coverage. It’s important that you verify if the auto insurance company offers the minimum liability coverage mandated by the state.
- Compare Premiums. Insurance providers look into several factors when calculating insurance premiums, including your driving record, credit score, civil status, model of your vehicle and more.
- Pay the SR-22 fee. Once you’ve talked to your car insurance company about your requirements, pay the fee to finalize the filing of the form. This covers the services of the insurance company, including filing the SR-22 on your behalf.
- Wait for the Confirmation. Your insurance company will file your SR-22 with the Department of Motor Vehicles and provide you a copy of the SR-22 for your records.
Remember that you are obligated to maintain the policy for 3 years. You are further obligated to renew the certificate before it lapses, and if it should lapse, the insurance agency will advise the State of the lapse and the driver’s license will then be suspended until a reinstatement has been completed.
Arizona SR22 Insurance Page Updated 7/20/2020
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