Arizona SR-22 & High-Risk Auto Insurance
Arizona requires 25/50/15 liability coverage and is an at-fault state.
Compare Rates After a ViolationArizona 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 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.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Full Coverage
Uninsured Motorist 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 filing duration: 3-year requirement means sustained high premiums; non-compliance resets the clock
- Credit-based insurance score: Arizona permits credit-based rating, and a low score combined with a violation can double premiums
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage 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.