Arizona SR-22 & High-Risk Auto Insurance
Arizona requires 25/50/15 liability coverage and is an at-fault state.
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Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI, caught driving without insurance, or involved in at-fault accidents while uninsured must file SR-22 proof of financial responsibility with the Arizona Motor Vehicle Division for 3 years. Arizona does not require SR-22 for standard point violations like speeding or at-fault accidents with valid insurance.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$286–$306/mo
Typical monthly rate in Arizona, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Credit-based insurance score: Arizona allows insurers to use credit in rating, and poor credit combined with violations can double premiums
- Point accumulation: Arizona's point system suspends licenses at 8 points in 12 months, and even 4–6 points can move you into non-standard markets
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long do points stay on my driving record in Arizona?
Points from moving violations remain on your Arizona driving record for 36 months from the conviction date. After 3 years, the points drop off automatically and no longer count toward suspension thresholds or insurance rating. Most insurers reduce your rates once violations age past 24–30 months, even before they fully drop off.
How many points does it take to suspend your license in Arizona?
Arizona suspends your license if you accumulate 8 points within 12 months, 12 points within 24 months, or 18 points within 36 months. A suspension triggers a mandatory SR-22 filing requirement for 3 years once your license is reinstated. Common violations: speeding 15+ mph over the limit adds 3 points, reckless driving adds 8 points, and an at-fault accident adds 3 points.
Coverage Types
SR-22 Insurance
Proof-of-insurance filing required by Arizona MVD after DUI, uninsured driving, or serious violations. Your insurer files SR-22 electronically and must maintain it for 3 years without lapse or your license suspends immediately.
Liability Insurance
Covers injuries and property damage you cause to others in an accident. Arizona's 25/50/15 minimums are rarely sufficient for serious accidents, and high-risk drivers face personal liability exposure above policy limits.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspensions, multiple violations, or SR-22 requirements. Non-standard carriers accept higher-risk profiles but charge elevated premiums and often require upfront payment.
Full Coverage
Combines liability with comprehensive and collision to protect your vehicle. Required by lenders if you finance or lease, but optional if you own your car outright.
Uninsured Motorist Coverage
Protects you if an uninsured driver causes an accident, covering your medical bills and lost wages. Optional in Arizona but recommended given the state's uninsured driver rate.
Collision Coverage
Pays for damage to your vehicle after an accident regardless of fault. Required by lenders but optional if you own your car, and deductibles typically range from $500–$1,000.