Cheapest SR-22 Car Insurance In Arizona For 2024
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SR-22 insurance serves as proof that certain drivers must provide to the state following serious violations like DUIs or reckless driving. In Arizona, adding SR-22 to your car insurance incurs an extra expense.
Based on my insurance industry experience, these costs can vary widely, with some companies even refusing to provide coverage for SR-22 requirements. Finding the right insurer can be a time-consuming process, but I’ve simplified it by identifying the top Arizona insurers offering SR-22 policies and their average prices.
While actual costs may differ depending on your circumstances, this guide will steer you toward the most suitable options. Continue reading to delve into the specifics of SR-22 insurance in Arizona.
Cheapest Non-Owner SR-22 Insurance Companies In Arizona
If you require an SR-22 but don’t have a car, a non-owners insurance policy is ideal. Below are the most affordable non-owner SR-22 policies available in Arizona:
- Travelers: $494 per year
- State Farm: $500 per year
| Company | Annual Premium |
| Travelers | $494 |
| State Farm | $500 |
| Progressive | $860 |
| Nationwide | $1,230 |
| GEICO | $820 |
What Is SR-22 Insurance?
SR-22 insurance, despite its name, isn’t actually insurance but rather a certificate filed by your insurer to prove you meet your state’s mandated coverage levels. States often require SR-22s after serious violations like license suspensions, DUIs, or reckless driving.
Consequently, insurers charge higher premiums to those needing SR-22s due to their classification as high-risk drivers. Failure to furnish an SR-22 can lead to the state revoking your driving privileges, underscoring the importance of compliance.
Cheapest Companies For SR-22 Car Insurance In Arizona
Here are the most affordable SR-22 insurance options in Arizona, covering only liability:
- Travelers: $480 per year
- Root: $540 per year
- State Farm: $564 per year
Cheapest SR-22 Insurance Policies With a DUI (Liability Only)
| Company | Annual Premium |
| State Farm | $564 |
| GEICO | $1,100 |
| Progressive | $580 |
| Farmers | $760 |
| Root | $540 |
| Travelers | $480 |
Cheapest SR-22 Insurance With Full Coverage
Here are three affordable SR-22 insurance options in Arizona that provide full coverage, suitable for those seeking more than just basic liability protection:
- Root offers coverage for $770 per year.
- State Farm provides coverage at an annual rate of $1,025.
- Travelers offers full coverage for $1,070 annually.
Cheapest SR-22 Auto Insurance Policies With a DUI
| Company | Annual Premium |
| Hartford | $1,420 |
| Root | $770 |
| Progressive | $1,120 |
| Geico | $1,940 |
| State Farm | $1,025 |
| Travelers | $1,070 |
What Is SR-22a Insurance?
Certain states might ask for an SR-22a instead of a regular SR-22. This typically applies to drivers with frequent financial responsibility violations or serious citations. Missouri, Georgia, and Texas are among the states that could require this type of form.
How To File An SR-22
If a court, state government, or the DMV asks you to file for an SR-22, start by contacting your insurance provider. If you’re not already insured, you’ll need to get a policy. Some insurers may not cover drivers needing an SR-22, so check before you apply. Failing to comply could lead to state penalties. Alternatively, you could consider a non-owner policy with an attached SR-22.
You can maintain your current auto insurance policy smoothly, even if you don’t own a car but require an SR-22 to keep your license active. Once you’ve secured a policy from a company that accepts SR-22s, your next step is to request its inclusion. Your insurer might need more details, like why you need the SR-22, or a formal request copy.
After providing these, the insurer will file the SR-22 with the state. They’ll also inform the state if your policy is canceled, so if you switch carriers while needing the SR-22, try to avoid a coverage gap and obtain it promptly with the new insurer.
How SR-22 Affects Car Insurance Rates
Typically, drivers can expect their car insurance premiums to rise by about $993 annually when they need an SR-22. This increase is usually linked to previous driving offenses that necessitated the SR-22, rather than the SR-22 itself. For instance, if you were convicted of a DUI and required an SR-22, your higher premiums would likely be due to the DUI.
Additionally, there’s a filing fee for an SR-22, ranging from $15 to $25, on top of the increased rates. Once the SR-22 requirement is lifted, removing it from your policy can help lower your premiums.
How Long Do I Need To Have SR-22 Insurance?
The duration for which an SR-22 is necessary depends on the state. In Arizona, you must file it for at least three years, but it could extend to five years based on the circumstance. Even if you move out of the state, you still need to maintain the SR-22.
Average Cost Of SR-22 Insurance In Arizona
| Violation | Annual Premium (Liability Only) | Annual Premium (Full Coverage) |
| DUI | $870 | $1,800 |
| At-Fault Accident | $820 | $1,750 |
| Minor Violation | $680 | $1,440 |
Other Effects Of SR-22 Insurance
Besides impacting your car insurance rates, SR-22 forms can also influence your ability to drive legally. Failure to secure an SR-22 within the specified timeframe or maintain it for the required period could lead to the state suspending your driver’s license or vehicle registration.
This might also result in fines and fees for reinstatement. Furthermore, not all insurers are willing to provide coverage to drivers requiring SR-22s, which can restrict your choices.
SR-22 Insurance State Requirements
Each state has its own specific requirements regarding SR-22 filings. Notably, several states like Delaware, Kentucky, New Mexico, New York, North Carolina, and Oklahoma do not mandate SR-22s at all. Other states, such as Florida and Virginia, may require drivers to show proof of insurance coverage that exceeds the minimum legal limits. In instances like DUIs or DWIs, these states might additionally necessitate an FR-22 form.
Meanwhile, Arkansas and Indiana have their own variations. For example, Arkansas requires an SR-21 form after significant accidents to demonstrate ongoing insurance coverage, while Indiana mandates an SR-50 form following a DUI to verify insurance coverage dates.
How Much Does Credit Score Affect SR-22 Insurance Costs?
Your credit score significantly influences your auto insurance premiums. Insurers view lower credit scores as higher risk, akin to needing an SR-22. If you require an SR-22 and have poor credit, expect higher insurance costs—typically, 72% more than those with good credit. SR-22s alone can raise rates by around 18%, varying by insurer.
Alternatives to SR-22
If your state mandates an SR-22, you must file one without exception. Some states may offer alternatives like SR-21, SR-50, or FR-22 instead. For precise requirements, consulting a local independent agent is advisable.
How To Get Cheaper Car Insurance In Arizona After A DUI
Even if your car insurance rates go up due to a DUI, you can lower costs in a few ways. Start by comparing quotes from different insurers since some charge less for DUIs. Switching companies could cut your premium significantly. Also, check for discounts like defensive driving courses or bundling policies. Finally, staying accident-free can gradually reduce rates over 3-5 years as DUIs fade from your record.
Our Methodology
We determined our rates for SR-22 drivers by focusing on those with serious offenses like DUI or reckless driving. Our quote applied to a 2017 Toyota Camry LE, covering a 30-year-old man with average credit. Keep in mind, your rates can vary based on factors such as location, driving history, and prior insurance.
Quotes Analyzed
Years Of Industry Experience
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FAQs
Do you need SR-22 insurance if you don’t have a car?
Absolutely, you must get SR-22 insurance even if you’re without a vehicle. If a court mandates SR-22 filing and you’re carless, a non-owner policy suffices. The insurer handling the non-owner policy will submit the SR-22 as per state requirements.
How do you get rid of SR-22?
SR-22 forms typically must remain on record for a minimum of three years. Once this duration has passed, you can request your insurer to take the SR-22 off your policy.
How much does SR-22 cost?
Including an SR-22 in your insurance policy will change the cost, which depends on the reason for needing the SR-22 initially. The increase in premium varies among insurers but typically adds about $400 per month, plus a $25 filing fee.
