SR-22 After DUI
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Arizona DUI SR-22 Insurance After Conviction

Arizona requires SR-22 filing for 3 years after a DUI conviction, with minimum liability coverage of 25/50/15 ($25,000 per person, $50,000 per accident bodily injury, $15,000 property damage). Most DUI-SR-22 policies cost $140–$220/mo through non-standard carriers, as mainstream insurers typically non-renew at term.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Minimum Coverage Requirements in Arizona

Arizona operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages. After a DUI conviction, Arizona Motor Vehicle Division requires continuous SR-22 filing for 3 years, measured from your reinstatement date, not your conviction date. The SR-22 is a certificate your insurer files directly with MVD to prove you carry minimum liability coverage.

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25/50 ($25,000 per person, $50,000 per accident)
Bodily Injury Liability
Pays medical bills, lost wages, and pain and suffering when you injure someone in an at-fault accident. Arizona's 25/50 minimum covers less than one emergency room visit for a serious injury. Most DUI-SR-22 insurers recommend 50/100 minimum to reduce risk of out-of-pocket lawsuit costs, especially since DUI convictions already establish negligence in civil court.
$15,000 per accident
Property Damage Liability
Covers damage to another driver's vehicle or property when you're at fault. Arizona's $15,000 minimum falls short of the average new vehicle value, which exceeds $40,000 in 2026. If you total a newer vehicle, you pay the difference directly to the other driver or face a civil judgment.
Continuous for 3 years
SR-22 Certificate Filing
Your insurer files the SR-22 certificate electronically with Arizona MVD within 24 hours of policy binding. If your policy lapses for any reason, the insurer files an SR-26 cancellation notice immediately, and MVD suspends your license the same day. You must restart the 3-year filing period from scratch if suspension exceeds 30 days.
Not required (rejection must be in writing)
Uninsured Motorist Coverage
Arizona law requires insurers to offer uninsured motorist coverage at the same limits as your liability policy. You can reject it, but rejection must be signed in writing at policy inception. Approximately 13% of Arizona drivers carry no insurance, one of the highest rates in the Southwest, making UM coverage strategically valuable for DUI-SR-22 drivers who cannot afford out-of-pocket medical costs.
State-Mandated Minimum Coverage · Arizona

Arizona Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$15,000

License Reinstatement Fee$10

Meeting the state minimum keeps you legal. See whether it's enough — get your Arizona quote.

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How Much Does Car Insurance Cost in Arizona?

DUI convictions increase insurance costs in Arizona by 180–240% compared to clean-record rates. Most mainstream carriers non-renew at policy term after a DUI, pushing you into the non-standard market where pricing depends on conviction class, BAC level, and whether injury or property damage occurred.

What Affects Your Rate

  • Conviction class drives filing period and cost: first-offense standard DUI requires 3 years SR-22, while aggravated DUI (extreme BAC, injury, minor in vehicle) adds license revocation and extends filing requirements through Motor Vehicle Division review.
  • BAC level at arrest affects underwriting: BAC 0.15–0.19 increases rates 15–25% over standard DUI, while BAC 0.20+ or refusal cases move into high-tier non-standard pricing with fewer carrier options.
  • Phoenix metro zip codes (85001–85099) cost $20–$40/mo more than rural Arizona due to collision frequency, uninsured motorist density, and vehicle theft concentration in Maricopa County.
  • Prior insurance lapse before DUI conviction stacks risk multipliers: a 60-day lapse before conviction increases DUI-SR-22 rates an additional 30–50% because it signals prior non-compliance.
  • Non-standard carriers writing Arizona DUI-SR-22 policies include Bristol West, Dairyland, GAINSCO, Direct Auto, and The General, with availability and pricing varying significantly by conviction details and county.
  • Payment plan structure affects monthly cost: full-pay-in-advance discounts save 8–12%, while monthly installment plans add $8–$15/mo in fees for DUI-SR-22 policies in the non-standard market.
Minimum Coverage
$140–$180/mo
State minimum 25/50/15 liability with SR-22 filing. First-offense standard DUI with BAC under 0.15 and no accident. Non-standard carriers only.
Standard Coverage
$180–$220/mo
50/100/25 liability with uninsured motorist coverage. Recommended for repeat-offense DUI, aggravated DUI (BAC 0.15+), or first-offense with accident involvement. Covers lawsuit exposure beyond state minimums.
Full Coverage
$250–$350/mo
100/300/50 liability plus comprehensive and collision if you own a financed vehicle. Required by lienholders. Adds $70–$130/mo over liability-only for DUI-SR-22 drivers in Phoenix metro due to high theft and hail damage rates.

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Coverage Types

SR-22 Insurance

A certificate filed by your insurer with Arizona MVD proving continuous liability coverage. Not a separate policy, but a compliance rider attached to your auto insurance.

Non-Owner SR-22

Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to maintain license reinstatement after DUI conviction.

Liability Insurance

Covers bodily injury and property damage you cause to others in an at-fault accident. Required by Arizona law and the only coverage type mandated under SR-22 filing.

Uninsured Motorist Coverage

Pays your medical bills and lost wages when an uninsured or hit-and-run driver injures you. Optional in Arizona but must be offered by all insurers.

Full Coverage

Combines liability, comprehensive, and collision coverage. Required by lenders if you finance or lease a vehicle.

Find Your City in Arizona

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Frequently Asked Questions

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