Arizona SR-22 & High-Risk Auto Insurance
Arizona requires 25/50/15 liability coverage and is an at-fault state.
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Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arizona
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.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
What Drivers Pay in Arizona
$286–$306/mo
Typical monthly rate in Arizona, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- 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
- Prior insurance lapse: Gaps in coverage combined with SR-22 requirements push drivers into the highest-cost non-standard tier
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Pays for injuries and property damage you cause to others in an accident. Arizona requires 25/50/15, but high-risk drivers should carry higher limits to protect against lawsuits.
SR-22 Filing
Certificate filed by your insurer to the Arizona MVD proving continuous coverage. Required for DUI, suspensions, and uninsured violations for 3 years.
Non-Standard Auto Insurance
Coverage for drivers who cannot qualify for standard policies due to DUI, suspensions, or major violations. Non-standard carriers accept high-risk profiles but charge 150%–300% higher premiums.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if you are hit by an uninsured driver. Arizona does not require it, but insurers must offer it.
Full Coverage
Liability plus collision and comprehensive. Required if you finance or lease, but optional for paid-off vehicles.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Subject to deductible, typically $500–$1,000.