Cheapest SR-22 insurance in Arizona

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In Arizona, the cheapest SR-22 insurance is offered by GEICO at $1,079 per year, followed by Nationwide at $1,248. Rates vary based on your driving history, location and insurance company.

An SR-22 is not a type of insurance. It’s a form your insurer files with the state to prove you meet the minimum required coverage, often after violations like a DUI, reckless driving or driving without insurance. Because drivers who need an SR-22 are considered higher risk, insurance premiums are usually more expensive.

Most drivers need to keep an SR-22 on file for about three years, though the exact period depends on your state and the violation. The good news is that the higher rates aren’t permanent. As the violation ages and you keep a clean record, your premiums typically come back down, and comparing quotes regularly along the way helps make sure you’re never paying more than you need to.

How to keep your costs down during your SR-22 period

Compare quotes from at least three insurers before deciding on one. Rates after an SR-22 vary more than you’d expect – the first offer you get won’t be the most affordable one.
Find out how long the surcharge will apply. Some insurers revisit your rate after three years, others after five. How long you carry the increase can matter just as much as the rate itself.
Stay violation-free. A clean driving record from this point forward is the most effective tool you have for lowering your premium over time.
Keep your coverage active. A lapse while your SR-22 is on file can reset your entire filing period and make you look like an even greater risk to future insurers.
Keeping a clean driving record and comparing quotes at renewal can help lower your rates over time.

What is an SR-22?

An SR-22 is a document your insurance company files with the state to show you have the minimum coverage required to legally drive. It’s typically required after violations like a DUI, DWI, reckless driving, or driving without insurance.

An SR-22 isn’t an insurance policy – it’s a form your insurer submits to the state confirming you meet the minimum coverage requirements. Because needing one flags you as a higher-risk driver, you can expect your premiums to rise, and some insurers may decline to cover you altogether.

How does SR-22 insurance work in Arizona?

SR-22 insurance in Arizona costs an average of $1,916 per year
GEICO offers the cheapest SR-22 coverage in Arizona at $1,079 annually
An SR-22 is a state-required filing that proves you carry minimum car insurance coverage

When do you need an SR-22 in Arizona?

In Arizona, an SR-22 is usually required after a serious driving violation or a license suspension. It’s your insurer’s confirmation to the DMV that you’re carrying the coverage the state requires.

Violations that commonly require an SR-22 include:

DUI, DWI or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

If any of these apply to you, you’ll need to get a qualifying insurance policy and have your insurer submit the SR-22 form to the DMV.

What happens if you don’t maintain SR-22 coverage?

Most drivers need to keep an SR-22 on file for about three years, depending on state requirements and the reason for the filing. During that time, your insurance coverage must remain active without any lapses.

If your policy is canceled or expires, your insurer will notify the DMV. From there, expect a suspended license and registration, reinstatement fees, and a new SR-22 filing. In many states, the three-year clock restarts from zero, so a lapse halfway through can cost you another full three years of filings. Worse, a coverage gap brands you an even higher risk, which means steeper premiums when you re-insure and a real chance some insurers won’t cover you at all.

How much does SR-22 insurance cost in Arizona?

Drivers in Arizona pay an average of $1,916 per year for SR-22 insurance. That’s $901 more than New Hampshire, the cheapest state for SR-22 coverage, and $2,125 less than Michigan, the most expensive.

Your rate will vary based on the violation behind the SR-22, your driving history and your ZIP code.

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Cheapest SR-22 insurance companies in Arizona

GEICO offers the cheapest SR-22 insurance in Arizona at $1,079 per year. While SR-22 insurance is usually more expensive than standard coverage, rates can vary significantly between insurers.

The companies below offer some of the cheapest SR-22 insurance rates in Arizona.

Company	Average annual premium	Average monthly premium
GEICO	$1,079	$90
Nationwide	$1,248	$104
Travelers	$1,335	$111
Auto-Owners	$1,432	$119
Hartford	$1,541	$128
Mercury Insurance	$1,678	$140
State Farm	$1,946	$162
Progressive	$2,106	$176
Allstate	$2,575	$215
CSAA (AAA)	$2,657	$221
Farmers	$3,247	$271
USAA*	$1,403	$117

*USAA is only available to military community members and their families.

Which cities have the cheapest SR-22 insurance in Arizona?

Your city or ZIP code can have a considerable amount of impact on your SR-22 rate. Here’s how costs break down across major cities in Arizona.

City	Average annual premium
Douglas	$857
Benson	$857
Nogales	$863
Willcox	$876
Sedona	$915
Tucson	$989
South Tucson	$1,006
Tempe	$1,053
Avondale	$1,150
Mesa	$1,155
Phoenix	$1,232

Will my SR-22 costs go down over time?

Your rates may drop after the SR-22 requirement ends, but they likely won’t return to pre-violation levels right away
The underlying violation can stay on your driving record for 3 to 5 years, or longer for serious offenses like a DUI
Once your SR-22 period ends, contact your insurer and provide DMV confirmation if required
Keeping a clean driving record and comparing quotes at renewal can help lower your rates over time

What are the minimum SR-22 insurance requirements in Arizona?

The Arizona DMV mandates all drivers in Arizona to have the following minimum car insurance coverage:

$25,000 for injury or death per person
$50,000 for injury or death per accident
$15,000 for property damage per accident

State minimum coverage keeps you legal on the road, but it may not be enough to fully protect you in a costly at-fault accident. Higher coverage means a higher premium, but it also means you’re not paying out of pocket for damages that exceed your limits.

How much does SR-22 in Arizona cost with a DUI?

A DUI generally leads to a significant jump in SR-22 premiums, though the exact increase depends on your insurer. The table below shows annual SR-22 rates for drivers with a DUI in Arizona.

This table shows two different costs:

SR-22 with one DUI – the estimated annual cost if your SR-22 filing is the result of a DUI conviction, factoring in the rate increase insurers apply after a DUI.
SR-22 filing only – your standard premium plus the SR-22 filing fee, with no DUI on record. If your filing is tied to a different violation, this column gives you a better estimate of what the SR-22 itself adds to your cost.

Company	SR-22 with 1 DUI	SR-22 Filing only
Travelers	$2,059	$1,335
State Farm	$2,123	$1,946
GEICO	$2,207	$1,079
Hartford	$2,307	$1,541
Progressive	$2,417	$2,106
Mercury Insurance	$2,423	$1,678
Nationwide	$2,446	$1,248
Auto-Owners	$2,567	$1,432
Allstate	$3,882	$2,575
CSAA (AAA)	$4,326	$2,657
Farmers	$5,741	$3,247
USAA*	$3,314	$1,403

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Arizona

The SR-22 form itself only costs a small one-time filing fee, usually around $25 to $50. What actually drives up your bill is the high-risk premium that comes with needing one. That’s the part you can lower, by comparing quotes, improving your driving record, and choosing the right coverage. Rates for high-risk drivers vary widely from one insurer to the next, so shopping around can make a real difference in what you pay.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Compare insurers that specialize in high-risk drivers

Not every insurer treats SR-22 drivers the same way. Some specialize in high-risk coverage and can offer considerably lower rates than standard carriers. Getting quotes from at least three companies gives you a realistic picture of what you should actually be paying.

Can you get an SR-22 without owning a car?

If you need an SR-22 but don’t own a vehicle, you can still meet the requirement through non-owner SR-22 insurance. This type of policy provides the minimum liability coverage needed when driving someone else’s car and allows you to reinstate your license following violations like a DUI or multiple traffic offenses. Since it doesn’t cover a vehicle of your own, it usually costs less than a standard auto policy.

It’s a more common situation than most people realize. Many drivers find themselves needing to prove insurance coverage to get their license back after a violation, even without a car to their name. Non-owner SR-22 insurance is designed specifically for that gap.

Is SR-22 insurance expensive in Arizona?

An SR-22 requirement signals to insurers that you’ve had a serious violation. That can be a DUI, reckless driving, or a coverage lapse. Once your violation is on your record, your premiums will reflect it. Even so, rates differ more than you’d expect between insurers, and comparing quotes can go a long way toward keeping costs manageable.

A few other ways to lower what you pay are:

Cut your mileage where you can. Using public transport or carpooling may qualify you for pay-per-mile or low-mileage discounts.
Make use of every discount you’re eligible for. Bundling policies, signing up for autopay, and taking a defensive driving course are all simple ways to reduce your rate.
Keep your record clean going forward. Nothing is more important than maintaining a clean record if you want to lower your rate. A DUI can stay on your record for up to 10 years in many states, but steady, clean driving during that period is what will bring your premiums down over time.

Frequently asked questions

Can you get SR-22 insurance without owning a car?

Yes. Non-owner SR-22 insurance is available for drivers who don’t own a vehicle but still need to meet state insurance requirements. It provides liability coverage when driving someone else’s car and is usually cheaper than a standard policy.

What happens if your SR-22 insurance lapses?

If your SR-22 coverage lapses or your policy is canceled, your insurance company will notify the state DMV. This can lead to penalties such as license suspension, reinstatement fees or an extension of your SR-22 requirement period.

Can you switch insurance companies while you have an SR-22?

Yes, you can change insurers while maintaining an SR-22. Your new insurance company must file a new SR-22 with the state before your old policy is canceled to avoid a lapse in coverage.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Arizona.” Accessed June 2026.
Progressive Insurance. “What is an SR-22?” Accessed June 2026.

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.