Home Car insurance SR-22 insurance: What is it and how does it work? Cheapest SR-22 insurance in Arizona Cheapest SR-22 insurance in Arizona The cheapest SR-22 insurance policies in Arizona are offered by GEICO, at $1,079 a year, and Nationwide, at $1,248 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Bob Haegele Bob Haegele Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Expert insight from Sebastian Hov Sebastian Hov CEO, 18 Insurance.Go to comment | Updated on: June 19, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential. The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.In Arizona, GEICO offers the most affordable SR-22 insurance policies at $1,079 per year and Nationwide at $1,248 per year.Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.What is an SR-22?An SR-22 is a Certificate of Financial Responsibility (CFR) that proves you’ve bought the minimum liability auto insurance your state requires. If you’re considered a high-risk driver due to traffic violations, a DUI/DWI, or other reasons, your state or a court may require you to obtain an SR-22-a certificate filed by your insurance company that proves you carry the minimum required auto insurance coverage.While it’s not a type of insurance, filing an SR-22 is often mandatory after serious offenses and it can lead to higher insurance premiums due to your increased risk profile.Key TakeawaysThe average cost of SR-22 car insurance in Arizona is $1,916.GEICO offers the most affordable SR-22 insurance policies in Arizona at $1,079 per yearAn SR-22 isn’t a separate insurance policy; it’s a form your insurer files to the state DMV on your behalf to confirm you have the required minimum coverage.Do I need to buy SR-22 insurance in Arizona?As mentioned earlier, an SR-22 isn’t an insurance policy; it’s a form your insurance company files with your state’s DMV. This form informs the state that you still carry the minimum required insurance despite certain driving offenses on your record. The filing fee is generally inexpensive, though insurance with an SR-22 can be costly.Examples of offenses that might require an SR-22:DUI, DWI or other serious moving violationsReckless drivingAccidents resulting in suspension or revocationAccumulation of too many driving violation pointsDriving without insuranceIf you have any of these offenses on your record, you may need an SR-22. Once you buy an insurance plan that meets your state’s requirements, request your insurer to file the SR-22 form with the DMV.You usually need to keep an SR-22 for at least three years. Failing to do so could lead to a license suspension.Average SR-22 car insurance cost in ArizonaThe average SR-22 car insurance cost in Arizona is $1,916. This is $901 more expensive than the SR-22 insurance in New Hampshire, the least expensive state.However, it’s also $2,125 cheaper than in Michigan, the most expensive state for SR-22 insurance. However, several factors can affect the cost of SR-22 insurance, including why you need the SR-22, your driving history and your city.Cheapest SR-22 insurance companies in ArizonaInsurance rates typically increase if you have an SR-22, but not all insurance companies charge the same rates for SR-22 holders. The companies listed below offer some of the lowest rates in Arizona.CompanyAverage annual premiumAverage monthly premiumGEICO$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 Note: USAA is only available to military community members and their families. You might find interesting The best, cheapest car insurance in ArizonaArizona car insurance calculatorNon-owner car insurance in Arizona: Which company has the cheapest rates?Best and cheapest companies for home and auto bundles in Arizona Cheap SR-22 insurance in Arizona by cityAs discussed above, where you live greatly affects how much SR-22 insurance costs. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Arizona.CityAverage annual premiumDouglas$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 SR-22 insurance requirements in ArizonaThe Arizona DMV requires all drivers to meet the following minimum requirements for car insurance coverage:$25,000 for injury/death per person$50,000 for injury/death per accident$15,000 for damage to property per accidentThese are just the minimum requirements. Experts advise drivers to get more than the minimum insurance. It may lead to a higher premium, but the extra coverage could be well worth it.How much does SR-22 in Arizona cost with a DUI?Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.CompanySR-22 with 1 DUISR-22 Filing onlyTravelers$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 Note: USAA is only available to military community members and their families. How to get the cheapest SR-22 insurance in ArizonaYou may face sky-high insurance premiums if you need an SR-22 in Arizona. However, there are ways to save on car insurance whether or not you require an SR-22.First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies specialize in high-risk drivers and offer you better SR-22 rates.Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, Arizona, recommends the following:Shopping 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 a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.Non-owner SR-22 insurance in ArizonaSome states may require you to obtain an SR-22 even if you don’t own a car. This filing ensures you meet the state’s minimum liability coverage requirements, which is often necessary to reinstate your driver’s license after a suspension or revocation resulting from violations like a DUI or multiple traffic offenses.Non-owner insurance policies are for individuals who don’t own a vehicle but must fulfill SR-22 requirements or want to maintain continuous coverage. This type of coverage provides liability protection when driving a car you don’t own and helps you meet state mandates for reinstating your license after violations such as a DUI or multiple traffic offenses.It’s often a more affordable option than a standard policy since it only covers liability. Read more about how non-owners car insurance works in Arizona Who needs SR-22 insurance?Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.For instance, if you have a DUI, the state will require you to prove you have enough insurance to be financially responsible.Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney with traffic law experience.How long do you need SR-22 insurance in Arizona?You typically need to maintain an SR-22 for three years.During this period, you must maintain continuous coverage without any lapses. If your policy is canceled or lapses, your insurer must notify the state, which could result in further penalties or a license suspension.The bottom line on SR-22 in ArizonaArizona’s average SR-22 insurance rate is $1,916, compared to the overall average car insurance cost in Arizona, which is $1,661. That means Arizona’s SR-22 rate is $255 more per year.But remember that there are a lot of factors that can affect insurance premiums.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 MethodologySources:Shouse Law Group. “SR22 Arizona.” Accessed June 2025.Progressive Insurance. “What is an SR-22?” Accessed June 2025.MethodologyInsure.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. Compare SR-22 insurance rates with other statesAlabama$1,702/YearAlaska$1,419/YearArkansas$1,618/YearCalifornia$2,238/YearColorado$2,177/YearConnecticut$1,654/YearFlorida$3,288/YearGeorgia$1,795/YearHawaii$1,523/YearIdaho$1,115/YearIllinois$1,380/YearIndiana$1,418/YearIowa$1,363/YearKansas$1,581/YearLouisiana$3,390/YearMaine$1,141/YearMaryland$2,020/YearMassachusetts$1,900/YearMichigan$4,041/YearMississippi$1,502/YearMissouri$2,504/YearMontana$1,966/YearNebraska$2,001/YearNevada$2,632/YearNew Hampshire$1,015/YearNew Jersey$2,370/YearNorth Dakota$1,315/YearOhio$1,240/YearOregon$1,653/YearRhode Island$1,887/YearSouth Carolina$1,998/YearSouth Dakota$1,681/YearTennessee$1,458/YearTexas$2,113/YearUtah$1,816/YearVermont$1,140/YearVirginia$1,343/YearWashington$1,473/YearWashington, D.C.$2,065/YearWest Virginia$1,520/YearWisconsin$1,738/YearWyoming$1,808/YearShow moreBob HaegeleContributing Researcher | . .Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page What is an SR-22?Do I need to buy SR-22 insurance in Arizona?Average SR-22 car insurance cost in ArizonaCheapest SR-22 insurance companies in ArizonaCheap SR-22 insurance in Arizona by citySR-22 insurance requirements in ArizonaHow much does SR-22 in Arizona cost with a DUI?How to get the cheapest SR-22 insurance in ArizonaNon-owner SR-22 insurance in ArizonaWho needs SR-22 insurance?How long do you need SR-22 insurance in Arizona?The bottom line on SR-22 in ArizonaWhat our expert saysResources and Methodology ZIP Code Please enter valid ZIP See rates (844)-645-3330