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 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. Shopping immediately after SR-22 completion can reduce premiums by 20–40% compared to staying with your current insurer.
How Much Does Car Insurance Cost in Arizona?
Arizona post-SR22 insurance rates vary widely based on violation type, time since filing ended, and whether you've switched carriers. Drivers who completed SR-22 for a DUI typically pay $180–$320/mo in the first year after filing ends, while those with suspension-only histories pay $140–$220/mo. Rates drop 15–25% in the first 6 months after SR-22 completion if you shop actively, and another 10–20% at the 12-month mark with no new violations.
What Affects Your Rate
- Type of violation: DUI convictions result in 50–80% higher premiums than suspension-only SR-22, even after filing ends
- Time since SR-22 completion: Rates drop 15–25% in first 6 months, another 10–20% at 12 months, and reach near-standard levels at 3–5 years with clean record
- Carrier type: Staying with your SR-22 non-standard carrier after filing ends typically costs $600–$1,200/year more than switching to a standard carrier
- Location: Phoenix and Tucson metro areas see 20–30% higher premiums than rural Arizona due to accident frequency and theft rates
- Credit score: Arizona allows credit-based insurance scoring, and post-SR22 drivers often have depressed credit from the violation period—improving credit by 50+ points can reduce premiums by 10–15%
- 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
Your SR-22 period is ending — you can access standard rates again
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Get Your Free QuoteCoverage 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.
