State Requirements
Arizona requires minimum liability coverage of 25/50/15: $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. Drivers convicted of DUI, driving on a suspended license, multiple violations within 12 months, or causing an at-fault accident while uninsured trigger SR-22 filing requirements. The Arizona Motor Vehicle Division monitors SR-22 compliance continuously, and any lapse triggers immediate license suspension. High-risk drivers often need coverage above state minimums to satisfy SR-22 requirements and protect against future violations.
Meeting the state minimum keeps you legal. See whether it's enough — get your Arizona quote.
Get your Arizona quoteCost Overview
High-risk drivers in Arizona pay substantially more than standard profiles due to violation type, SR-22 requirements, and limited carrier competition in the non-standard market. DUI convictions typically trigger the highest surcharges (100–150% increase), while multiple minor violations or at-fault accidents while uninsured result in 50–100% increases. Urban drivers in Phoenix and Tucson have more carrier options and slightly lower rates than rural areas where non-standard insurers are scarce.
What Affects Your Rate
- Violation type: DUI convictions increase premiums 100–150%, while multiple minor violations add 50–80%
- SR-22 duration remaining: rates begin decreasing after first year of clean driving, but SR-22 must remain filed for full 3-year period
- Geographic location: Phoenix and Tucson have 8–12 non-standard carriers; rural areas may have 3–5 options with higher premiums
- Credit score: Arizona allows credit-based insurance scoring, which compounds costs for high-risk drivers with poor credit
- Age and gender: young male drivers with DUIs face the highest premiums, often $500–$800/month for minimum coverage
- Payment method: non-standard carriers often require monthly EFT payments and charge 10–20% more for paper billing or manual payments
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Arizona's 25/50/15 minimums are low compared to potential medical costs—a single serious injury can exceed $100,000.
SR-22 Insurance
Certificate proving you carry liability coverage, filed by your insurer with Arizona MVD. Not a separate policy—it's attached to your existing liability coverage.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage. Pays for your medical bills and vehicle damage when the other driver cannot.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers: DUIs, suspensions, multiple violations, or SR-22 requirements. Higher premiums but accessible when standard insurers decline.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, fire, animal strikes. Required if you finance or lease, optional if you own outright.
Collision Coverage
Pays to repair your vehicle after an at-fault accident or collision with an object. Required by lenders, optional otherwise.
