In Arizona, an SR-22 is a certificate your insurer files with the Motor Vehicle Division (MVD) to prove you carry at least the state-minimum 25/50/15 liability coverage. Most drivers must keep it for three years from the date they become eligible for reinstatement. Insurers charge $15 to $25 to file.
When Arizona Requires an SR-22
The Arizona Motor Vehicle Division (MVD) requires an SR-22 after certain serious violations, as a condition of reinstating your license. You will generally need one after:
- A DUI conviction
- Driving without insurance or an at-fault crash while uninsured
- A reckless or aggressive driving conviction
- A license suspension or revocation you are reinstating
- Multiple serious moving violations
Arizona SR-22 Minimum Coverage
An SR-22 in Arizona must prove you carry at least the state-minimum liability limits of 25/50/15: $25,000 in bodily injury coverage per person, $50,000 per accident, and $15,000 in property damage.
How Long Do You Need an SR-22 in Arizona?
Arizona typically requires you to keep an SR-22 on file for three years, counted from the date you become eligible for reinstatement rather than the date of the offense.
Coverage must stay continuous. Any lapse triggers an automatic notice to the MVD, which can suspend your license and restart the three-year requirement.
How Much Does an SR-22 Cost in Arizona?
The filing fee is small — Arizona insurers typically charge a one-time $15 to $25 to submit the certificate to the MVD. The larger cost is the premium increase from the underlying violation. The MVD also charges a reinstatement fee that depends on the offense.
Because high-risk pricing varies widely, comparing carriers that file SR-22s in Arizona is the most reliable way to lower the total cost.
Non-Owner SR-22 in Arizona
If you need an SR-22 but do not own a vehicle, a non-owner policy satisfies the Arizona requirement and lets your insurer file the certificate. It provides liability coverage when you drive cars you do not own and usually costs less than a standard policy.
How to File an SR-22 in Arizona
- Confirm the requirement from your MVD order or court paperwork.
- Compare quotes from carriers that file SR-22s and meet the 25/50/15 minimum.
- Buy the policy and pay the one-time filing fee.
- Pay any MVD reinstatement fee that applies.
- Keep continuous coverage for the full three years.
Frequently Asked Questions
How long do you need an SR-22 in Arizona?
Usually three years, counted from the date you become eligible for reinstatement.
What are the minimum coverage limits for an SR-22 in Arizona?
Arizona requires at least 25/50/15: $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage.
How much does an SR-22 cost in Arizona?
Insurers charge a one-time filing fee of $15 to $25. The bigger cost is the higher premium tied to the violation behind the filing.
Can I get a non-owner SR-22 in Arizona?
Yes. A non-owner policy meets the requirement if you do not own a car and is usually cheaper than a standard policy.
What happens if my SR-22 lapses in Arizona?
A lapse triggers an automatic notice to the MVD, which can suspend your license and restart the three-year requirement.