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 with a DUI, license suspension for multiple violations, uninsured accident, or failure to maintain continuous coverage typically receive an SR-22 filing requirement from the Arizona Motor Vehicle Division. These minimums may be insufficient for high-risk drivers, as at-fault accidents exceeding policy limits expose you to personal liability, and many non-standard carriers require higher limits to write SR-22 policies.
How Much Does Car Insurance Cost in Arizona?
High-risk auto insurance in Arizona costs $180–$400/mo for liability-only coverage with SR-22 filing, compared to $80–$140/mo for a clean-record driver. Rates vary by violation type: a DUI conviction typically raises premiums 200%–300%, while a single at-fault accident raises them 40%–80%. Phoenix and Tucson see higher rates due to traffic density and uninsured driver rates, while rural counties like Yavapai and Cochise see modestly lower premiums.
What Affects Your Rate
- Violation type: DUI typically costs 200%–300% more than a single speeding ticket or at-fault accident
- SR-22 filing duration: 3-year requirement means sustained high premiums; non-compliance resets the clock
- ZIP code: Phoenix (85001–85099) and Tucson (85701–85799) average 15%–25% higher than Flagstaff or Prescott due to claim frequency
- Age and gender: young male drivers with violations can see premiums exceed $500/mo even for liability-only
- Credit-based insurance score: Arizona permits credit-based rating, and a low score combined with a violation can double premiums
- Carrier competition: non-standard market is active in Arizona, so shopping 3–5 carriers can yield 20%–40% rate variance for the same profile
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Sources
- Arizona Department of Transportation Motor Vehicle Division - SR-22 Requirements
- Arizona Revised Statutes Title 28 - Motor Vehicles
- Arizona Department of Insurance and Financial Institutions - Consumer Resources