Updated March 2026
State Requirements
Arizona requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. 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. Moving violations add points to your license — 8 points in 12 months triggers a suspension — and even a single speeding ticket can increase premiums 15–30% without triggering SR-22. Arizona does not require SR-22 for standard point violations like speeding or at-fault accidents with valid insurance.
Cost Overview
High-risk auto insurance rates in Arizona vary significantly based on violation type, with DUI convictions typically doubling or tripling premiums and at-fault accidents or speeding tickets raising rates 15–60%. Phoenix and Tucson metro areas see higher base rates due to accident frequency and uninsured driver exposure, while rural counties often offer 10–20% lower premiums. Rate recovery begins as soon as violations age off your 3-year driving record, and most drivers see meaningful decreases after 24–36 months of clean driving.
What Affects Your Rate
- Violation type and severity: DUI convictions raise rates 100–200%, while a single speeding ticket (15+ mph over) raises rates 20–35%
- Time since violation: rates drop 10–25% as violations approach their 3-year removal date from your Arizona driving record
- SR-22 filing requirement: adds $15–$35 to file but signals high-risk status, often limiting carrier options to non-standard markets
- Location: Phoenix and Tucson metro areas run 15–25% higher than rural counties due to accident density and theft rates
- 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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
