Arizona SR-22 & High-Risk Auto Insurance
Arizona requires 25/50/15 liability coverage and is an at-fault state.
Find Coverage After a Traffic 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 DUI convictions, multiple violations, at-fault accidents without insurance, or license suspensions typically need SR-22 filing submitted by their insurer to the Arizona Motor Vehicle Division. The SR-22 requirement generally lasts 3 years from the date of reinstatement, and any lapse in coverage during this period restarts the filing clock and can result in immediate license suspension.
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
- Violation type and severity — DUI convictions typically cost 2–3x more than multiple speeding tickets
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Arizona MVD proving you maintain state-required liability coverage. Not all carriers offer SR-22 filing, so switching to a non-standard insurer is often necessary.
Non-Standard Auto Insurance
Coverage designed for drivers with DUI convictions, suspensions, lapses, or multiple violations who cannot qualify for standard carriers. These insurers specialize in SR-22 filing and high-risk underwriting.
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Arizona's 25/50/15 minimums may not provide adequate protection for high-risk drivers with assets to protect.
Full Coverage
Combines liability with comprehensive and collision coverage for your own vehicle. Required by lenders and lessors regardless of your driving record or SR-22 status.
Uninsured Motorist Coverage
Protects you if an uninsured or underinsured driver causes an accident. Optional in Arizona but recommended for high-risk drivers who cannot afford another violation or coverage gap.
DUI Insurance
Specialized non-standard coverage for drivers with DUI or DWI convictions requiring SR-22 filing in Arizona. Rates reflect the elevated risk of repeat offenses and the mandatory 3-year filing period.