Arizona SR-22 Insurance After Filing Ends
Arizona requires 25/50/15 liability coverage and is an at-fault state.
Compare Rates After SR-22Arizona 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
$10
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arizona
Drivers with DUI convictions, license suspensions for excessive points, at-fault accidents while uninsured, or multiple violations typically face a 3-year SR-22 filing requirement. After your SR-22 period ends, you're no longer required to carry the certificate, but your violation history continues to affect rates for 3–5 years depending on offense severity.
Liability Insurance
Uninsured Motorist Coverage
Full Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Arizona
$225–$414/mo
Typical monthly rate in Arizona, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Vehicle type: Older vehicles (10+ years) with liability-only coverage allow post-SR22 drivers to minimize premiums while newer financed vehicles require full coverage at significantly higher cost
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Restricted Driver Permit (DUI: Special Ignition Interlock Restricted License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Arizona's 25/50/15 minimums are frequently insufficient for serious accidents, and post-SR22 drivers face higher lawsuit risk due to their violation history.
Full Coverage
Combines liability, comprehensive, and collision coverage. Required for financed vehicles and recommended for any car worth more than $5,000–$8,000.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, hail, flooding, and animal strikes. Common in Arizona due to monsoon storms, desert wildlife, and high theft rates in metro areas.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage. Arizona does not require it, but approximately 13% of state drivers are uninsured.
SR-22 Insurance
SR-22 is a certificate filed by your insurer proving you carry minimum liability coverage. Required for 3 years after DUI, suspension, or uninsured accidents in Arizona.
Non-Standard Auto Insurance
Specialty coverage for high-risk drivers including those with DUI, suspensions, or SR-22 requirements. Typically 40–70% more expensive than standard policies.