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
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Mandatory certificate filed by your insurer proving continuous coverage to the Arizona Motor Vehicle Division. The filing itself costs $15–$35, but the underlying high-risk policy drives the total cost.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, lapses, or multiple violations. Higher premiums than standard market, but consistent approval and SR-22 filing support.
Liability Insurance
Covers bodily injury and property damage you cause to others. Arizona's 25/50/15 minimums are low relative to medical costs and vehicle values in urban areas.
Full Coverage
Liability plus collision and comprehensive. Required by lenders and necessary to protect financed or leased vehicles from total loss.
Uninsured Motorist Coverage
Pays for your medical bills and vehicle damage if you're hit by an uninsured or underinsured driver. Optional in Arizona but increasingly relevant given the state's uninsured driver rate.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Subject to your deductible.
