Insurance with an SR-22 in Arizona

If you need an SR-22 to get an auto insurance policy in Arizona, don't worry. This relatively common insurance requirement is prompted by violation such as a DUI conviction, a ticket for driving without insurance, an at-fault accident, a citation for driving with a suspended license, or collecting excessive points on your license.

Getting cheap car insurance with a SR-22 in Arizona might not be easy, but it could be worthwhile - especially if you compare quotes from multiple companies to ensure you get the best price. We examined how much a SR-22 certificate typically costs in Arizona and how to go about getting one — let's take a look.

How much does Arizona SR-22 insurance cost?

Auto insurance with an SR-22 in Arizona will probably be expensive. This isn't a direct cost of the SR-22 — filing fees are usually $15 to $35 — but a product of the insurance rate increases affiliated with the offense that prompted the SR-22 requirement to begin with.

Auto insurance companies charge high-risk motorists more expensive premiums because of the heightened risk of claims payouts. The rate increase you’ll receive depends on the frequency and severity of the citations — below are standard insurance prices with an SR-22 in Arizona.

High-risk rating factorAverage yearly rateIncrease vs. no citations
No violations$1,470
At-fault collision (>$2,000)$2,155$685
Speeding (21-25 mph > limit)$1,944$474
Reckless driving$2,112$642

If you are trying to find cheap car insurance after obtaining a SR-22, we're here to help. Enter your ZIP code below to receive personalized auto coverage quotes from popular insurers.

How to easily get an SR-22 in Arizona

Currently insured

If you already have auto insurance, obtaining an SR-22 certificate isn't too tough. Contact your auto insurance company ask the company to file a SR-22 request on your behalf. If your current insurer refuses to file for an SR-22, you should shop around for a new insurance company.

If you're uninsured

When applying for auto insurance, you might be saddled with an up-front fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. An SR-22 requirement may disqualify you from getting coverage from some companies, while others would be happy to cover you.

For drivers without a vehicle

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to get the certificate. In this scenario, you should purchase a non-owners car insurance policy before requesting an SR-22. Non-owners auto coverage is typically cheaper than standard coverage since it doesn't insure against physical damages to your vehicle.


The Zebra conducted in-depth pricing analysis through its proprietary quote engine, including data from rating systems and public rate filings. The Zebra assessed almost 53 million rates to identify trends for specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their effect on auto insurance rates.

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Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.