Updated April 2026
Minimum Coverage Requirements in Arizona
Arizona requires minimum liability coverage of 25/50/15: $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. Drivers convicted of DUI, driving without insurance, or certain suspensions must file SR-22 proof of financial responsibility with the Arizona Motor Vehicle Division. The SR-22 requirement typically lasts 3 years from the date of filing. Arizona also enforces strict uninsured motorist consequences — operating without coverage can trigger immediate license suspension and SR-22 requirements upon reinstatement.
How Much Does Car Insurance Cost in Arizona?
High-risk auto insurance in Arizona costs $200–$400/mo on average, or $2,400–$4,800/year, depending on violation type, age, location, and carrier. DUI convictions typically result in the highest increases — premiums can triple or quadruple standard rates for 3–5 years. Rate recovery timelines vary: most DUI surcharges decrease after 3 years, while at-fault accidents affect rates for 3–5 years and minor violations for 3 years.
What Affects Your Rate
- Violation type: DUI convictions result in the highest rate increases, often 200%–300% over standard rates for 3–5 years
- SR-22 duration: Arizona's 3-year SR-22 requirement means premiums remain elevated for the entire filing period, though rates may decrease after the first year with no new violations
- Points on license: Arizona uses a point system — 8 points in 12 months triggers SR-22, and drivers with 12+ points face the highest non-standard premiums
- Location: Urban areas like Phoenix and Tucson see higher high-risk rates due to accident frequency and uninsured driver density
- Age and experience: Drivers under 25 with DUI or SR-22 requirements face the steepest premiums, often $400–$700/mo for minimum coverage
- Prior insurance lapse: Gaps in coverage combined with SR-22 requirements push drivers into the highest-cost non-standard tier
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Sources
- Arizona Department of Transportation Motor Vehicle Division
- Arizona Revised Statutes Title 28 (Traffic and Vehicles)
- Arizona Department of Insurance and Financial Institutions