Insurance with an SR-22 in Arizona

The Zebra
Aug. 27, 2019

If you need an SR-22 to get car insurance in Arizona, you aren't the only one. This fairly routine legal requirement is triggered by a driving violation such as a DWI conviction, a citation for driving without insurance, an at-fault accident, driving with a suspended license, or amassing too many license points.

Finding cheap insurance coverage with an SR-22 in Arizona might take some effort, but it might be worthwhile. We explored how much money an Arizona SR-22 usually costs and how to request one — let’s dive in.

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How much does an Arizona SR-22 cost?

SR-22 insurance in Arizona tends to be costly. This isn't a direct cost of the SR-22 — filing fees could be as cheap as $15 to $35 — but because of the insurance rate increases initiated by the issue that prompted the SR-22 in the first place.

Insurance companies charge risky drivers higher premiums to account for the more substantial risk of having to pay out a claim after a collision. The rate increase you’ll face will depend on the frequency and severity of your citations — below are average auto insurance rates for drivers with SR-22s in Arizona.

Rating factorAverage annual rateIncrease vs. no violations
No citations$1,247.06
At-fault accident (>$2,000)$1,936.00$688.94
Speeding (21-25 mph > limit)$1,687.53$440.47
Reckless driving$2,174.72$927.66
Leaving the scene of an accident$2,755.53$1,508.47

If you need reasonably priced auto insurance after obtaining a SR-22, The Zebra is here to help. Enter your ZIP to get personalized auto insurance quotes from popular insurance companies.

How to obtain an SR-22 in Arizona

For currently insured drivers:

If you already have car insurance, obtaining an SR-22 certificate should be easy enough. Call up your insurer request they file a SR-22 certificate request on your behalf. If your current insurance company refuses to file a request, you'll need to look for a new insurance company.


When applying for car insurance, you'll be billed extra to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 certification may disqualify you from purchasing insurance from some carriers, while others would be happy to sell you a policy.

For non-vehicle owners:

If you don't own a vehicle, getting an SR-22 can be difficult, since you typically need to show proof of insurance to obtain the certificate. In this scenario, you should get a non-owners auto insurance policy before requesting an SR-22. Non-owners car insurance is often less pricey than standard coverage since it doesn't protect against physical damage sustained by your car.


Between September and December 2017, The Zebra conducted car insurance price analysis through our proprietary quote engine, incorporating data from rating systems and public rate filings. The Zebra analyzed nearly 53 million rates to examine trends related to specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.