Minimum Coverage Requirements in Arizona
Arizona requires liability minimums of 25/50/15: $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. 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.
How Much Does Car Insurance Cost in Arizona?
High-risk auto insurance in Arizona typically costs $180–$400/mo depending on violation type, driving history, age, and location. DUI convictions usually produce the highest premiums, often $250–$400/mo for liability-only coverage, while multiple speeding tickets or at-fault accidents without SR-22 requirements may cost $180–$280/mo. Urban areas like Phoenix and Tucson often see higher rates than rural counties due to accident frequency and uninsured driver rates.
What Affects Your Rate
- Violation type and severity — DUI convictions typically cost 2–3x more than multiple speeding tickets
- Time since violation — rates typically decrease 10–20% each year without new incidents during the SR-22 period
- Location within Arizona — Phoenix and Tucson rates run 15–25% higher than rural areas like Yuma or Flagstaff
- Age and gender — drivers under 25 with SR-22 requirements often pay an additional 20–40% compared to drivers over 30
- Credit-based insurance score — Arizona allows credit-based pricing, which can raise premiums 30–50% for drivers with poor credit and violations
- Carrier specialization — non-standard carriers may offer rates 20–30% lower than standard carriers trying to price out high-risk applicants
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
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.
