Cheapest SR-22 Car Insurance in Arizona in 2027
Travelers, Mercury and Auto-Owners are the cheapest options for Arizona insurance if you need SR-22 coverage
Advertising Disclosures
Loading Disclosures…
- An SR-22 insurance form is a document you need in Arizona to get your license reinstated after a suspension.
- You might need an SR-22 after getting a DUI or a citation for driving without insurance.
- You’ll pay more for SR-22 coverage because rates go up after a major infraction that would require you to file the form, not for the form itself.
The average cost of Arizona SR-22 insurance with a DUI
Travelers offers the lowest rates for Arizona drivers who need SR-22 insurance, with an average rate of $108 for minimum coverage. Progressive raises rates the least in Arizona, increasing prices 29%.
Cheapest companies for SR-22 insurance with a DUI in Arizona
| Company | Min. coverage | Full coverage | LendingTree rating | |
|---|---|---|---|---|
 | Travelers | $108 | $250 | Read Our Review |
 | Mercury | $115 | $348 | Read Our Review |
 | Progressive | $116 | $247 | Read Our Review |
 | American Family | $176 | $384 | Read Our Review |
 | Auto-Owners | $177 | $346 | Read Our Review |
 | Geico | $196 | $427 | Read Our Review |
 | Safeway | $209 | $456 | |
 | Farm Bureau | $253 | $599 | Read Our Review |
 | Trumbull | $255 | $678 | |
 | Nationwide | $271 | $588 | Read Our Review |
 | Allstate | $295 | $617 | Read Our Review |
 | Farmers | $331 | $681 | Read Our Review |
 | USAA* | $154 | $362 | Read Our Review |
The best way to get the lowest rates, especially after a DUI, is to get quotes from a range of companies. This includes larger brands that may offer low rates, as well as high-risk companies, such as The General and Direct Auto. Some companies won’t offer you coverage, so be prepared to spend time looking at more options.
Cost of SR-22 insurance after driving without insurance in Arizona
In Arizona, the average rate for minimum coverage SR-22 insurance after a violation for driving without insurance is $154 per month. Mercury has the cheapest rates, at $82 per month, with Auto-Owners as a close second, at $84 per month.
Cheapest companies for SR-22 insurance after driving without insurance in Arizona
| Min. coverage | Full coverage | LendingTree rating | |
|---|---|---|---|
| Mercury | $82 | $262 | Read Our Review |
| Auto-Owners | $84 | $188 | Read Our Review |
| Travelers | $89 | $215 | Read Our Review |
| American Family | $111 | $249 | Read Our Review |
| Progressive | $121 | $262 | Read Our Review |
| Farm Bureau | $141 | $337 | Read Our Review |
| Geico | $148 | $329 | Read Our Review |
| Safeway | $158 | $362 | |
| Nationwide | $165 | $357 | Read Our Review |
| Trumbull | $191 | $521 | |
| Allstate | $258 | $556 | Read Our Review |
| Farmers | $346 | $704 | Read Our Review |
| USAA* | $100 | $236 | Read Our Review |
In Arizona, your first citation for driving without insurance comes with a fine and a suspended licence or restricted driving privileges. That’s separate from how long you need an SR-22 on file, which is three years.
When do I need SR-22 insurance in Arizona?
An SR-22 is a document your insurance company sends to the Arizona Department of Transportation’s Motor Vehicle Division (MVD) to show you have purchased insurance coverage that meets its minimum requirements.
Arizona requires all drivers to carry car insurance with at least $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $15,000 in property damage liability coverage.
Your insurance company is also required to notify the Arizona MVD if your insurance policy is canceled.
A number of serious driving offenses can lead to an SR-22 requirement, the most common ones being DUI and driving without insurance.
These offenses both typically lead to a license suspension or revocation, and you’ll need to get an SR-22 to have your license reinstated.
Reasons you may be required to file an SR-22:
- DUI
- Refusing an alcohol or drug test
- Driving without insurance
- Non-payment and default judgement after an accident
Non-owner SR-22 insurance in Arizona
If you don’t own a car but get a DUI while driving a vehicle that belongs to someone else, you may still be required to get an SR-22 to get your license back, even if you didn’t previously have car insurance. In this case or if you get rid of your car after an infraction, you’ll need to buy what’s called non-owner SR-22 insurance.
Non-owner coverage is generally cheaper than regular car insurance because it doesn’t include coverage for a vehicle. It’s also cheaper because it’s expected you won’t drive as often as someone who owns a vehicle.
How to get SR-22 insurance
Getting SR-22 insurance is fairly straightforward. If you already have active coverage, you can call your current company and ask if it will file an SR-22 form on your behalf.
However, insurance companies will often cancel coverage after learning you need SR-22 coverage, so you may end up needing to find new insurance. Even if your company doesn’t drop you, your rates will likely go up. So it’s a good idea to check with several Arizona insurance companies to see if you can find a cheaper rate.
When collecting quotes, be honest about your situation, and answer questions relating to your conviction. Some insurers explicitly ask whether you need an SR-22, while others only ask about the circumstances that would lead to needing one.
Companies will likely ask about when your incident took place, how long you have been without insurance and how long you were insured before you lost coverage.
Not all companies offer SR-22 insurance, so you may need to contact several to find one that will cover you. Another option to consider is the Arizona Automobile Insurance Plan, a special program that pairs high-risk drivers with willing insurers.
How long will I need the SR-22?
Generally, you’ll need to keep an SR-22 on file with the Arizona MVD for three years. If your insurance lapses or is canceled (because of nonpayment, for example), you’ll likely need to restart the process.
Once you’ve reached the three-year threshold, double-check with the Arizona MVD that you’re no longer required to carry an SR-22. Then you can call your insurance company to cancel it. You must have the SR-22 on file for three continuous years, which may not line up with the timeline of your license revocation. If you mistakenly cancel the SR-22 too early, you could be penalized or required to renew your certificate for another three-year period.
Methodology
To find average SR-22 insurance rates in Arizona, LendingTree gathered rates for a 30-year-old man with a minimum and full coverage policy. Average rates for SR-22 policies were collected using Quadrant Information Services, which gets data from publicly available insurance company filings.
Quotes are for a policy with the minimum liability limits in Arizona. Full coverage rates are for higher liability limits, as well as comprehensive and collision coverage:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
How we evaluated car insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our car insurance ratings methodology and full editorial guidelines for further details.
—
*USAA is only available to military members, veterans and certain family members.