SR-22 insurance in Arizona
What Arizona requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Arizona write the policies that carry it, from the state's own pages and the insurance company directory.
Arizona uses the SR-22 filing. Who needs it: DUI or alcohol/drug revocations, refusing a test, certain insurance-law violations (including 3+ no-insurance violations in 36 months), unpaid or default judgments, and getting a special ignition interlock restricted license. How long: 3 years from the end of the suspension or revocation; judgments: the judgment term plus 2 years. MVD removes it automatically. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 0 companies write personal auto in Arizona; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What Arizona requires
From Arizona Department of Transportation, Motor Vehicle Division (ADOT MVD); sources at the bottom.
| Filing | SR-22 |
|---|---|
| Who needs it | DUI or alcohol/drug revocations, refusing a test, certain insurance-law violations (including 3+ no-insurance violations in 36 months), unpaid or default judgments, and getting a special ignition interlock restricted license. |
| How long | 3 years from the end of the suspension or revocation; judgments: the judgment term plus 2 years. MVD removes it automatically. |
| State fees | No state SR-22 filing fee; ask your insurer. Reinstatement: $10 suspension, $20 revocation, $50 extra for Admin Per Se, plus a $10-$25 application fee by age. |
| Non-owner filing | Accepted. If you don't own a vehicle, buy a non-owner policy and the insurer files the SR-22. |
| How it's filed | Your insurer files the SR-22 electronically with MVD. Alternative: deposit $40,000 with the Arizona State Treasurer and email its certificate to MVD. |
| If the policy cancels | Your insurer must tell MVD, which may suspend your license immediately until a new SR-22 is filed and the $10 fee is paid. Whether the 3 years restart: not stated by the state. |
| Minimum liability limits | 25/50/15 (bodily injury per person / per accident / property damage) for policies issued or renewed since July 1, 2020. |
| Who handles it | Arizona Department of Transportation, Motor Vehicle Division (ADOT MVD) |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the SR-22 to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an SR-22 in Arizona?
3 years from the end of the suspension or revocation; judgments: the judgment term plus 2 years. MVD removes it automatically.
Who needs an SR-22 in Arizona?
DUI or alcohol/drug revocations, refusing a test, certain insurance-law violations (including 3+ no-insurance violations in 36 months), unpaid or default judgments, and getting a special ignition interlock restricted license.
Can I get a non-owner SR-22 in Arizona?
Accepted. If you don't own a vehicle, buy a non-owner policy and the insurer files the SR-22.
What happens if my policy cancels during the SR-22 period?
Your insurer must tell MVD, which may suspend your license immediately until a new SR-22 is filed and the $10 fee is paid. Whether the 3 years restart: not stated by the state.
Sources
- https://azdot.gov/mvd/services/dui-suspension/future-financial-responsibility
- https://azdot.gov/mvd/services/dui-suspension/suspension-revocation
- https://azdot.gov/mvd/services/driver-services/license-reinstatement/fees
- https://www.azleg.gov/ars/28/04009.htm
- https://www.azleg.gov/ars/28/04073.htm
- https://www.azleg.gov/ars/28/04077.htm
Send it once. It gets filed.
A few minutes to request the quote; the companies that file SR-22 answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.