Official Arizona Guide

Arizona SR-22 Insurance

A complete roadmap to satisfying Arizona MVD requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/15

$25k BI / $50k Total / $15k PD

Mandate Term

3 Years

From reinstatement date

Filing Fee

~$15 - $25

One-time administrative cost

How Arizona SR-22 Filing Works

In Arizona, the SR-22 is a "Certificate of Financial Responsibility." It is not an insurance policy itself, but a digital document filed by your insurance carrier directly with the Arizona Motor Vehicle Division (MVD). It proves that you carry the state-mandated minimum liability coverage.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in AZ?

DUI / DWI: Convictions for driving under the influence of alcohol or drugs.
Reckless Driving: Serious moving violations that endanger others.
Driving Without Insurance: Being caught driving without valid liability coverage.
At-Fault Accidents: Causing an accident while uninsured.

Don't Own a Car in Arizona?

You can still get reinstated! An Arizona Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the Arizona MVD requirement and is typically much cheaper than a standard policy.

Read our full guide on Non-Owner policies

The AZ Reinstatement Timeline

Check Status

Log into the AZ MVD Now portal to view your specific suspension details and required fees.

Secure SR-22

Purchase a policy. Your carrier will electronically transmit the certificate to the MVD database.

Pay Fees

Pay any outstanding reinstatement fees online through the AZ MVD Now portal.

License Valid

Once the SR-22 is logged and fees are cleared, your license status changes to 'Valid'.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Arizona:

First Offense

Suspension Extended

Court Fines

Variable + Assessments

SR-22 Period

Reset to Day 1 (Full 3 Years)

Registration

Vehicle Registration Suspension

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Arizona Filing FAQs

How much is the filing fee in Arizona?

Insurance carriers typically charge a one-time fee of $15-$25 to electronically transmit the certificate to the MVD. This is separate from your monthly premium.

Can I drive out of state with an AZ SR-22?

Yes. Your Arizona SR-22 allows you to drive legally in other states, provided you maintain the filing. The requirement follows your license, not your physical location.

What is the difference between SR-22 and Liability?

Liability insurance pays for damages you cause. The SR-22 is the *proof* sent to the state that you have that liability insurance. It acts as a monitoring device for the MVD.

Can I get a Non-Owner policy in AZ?

Yes, Arizona allows Non-Owner SR-22 filings. This is the cheapest way to reinstate your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Arizona law requires insurers to file an SR-26 cancellation form immediately upon a policy lapse. The MVD will then suspend your license until a new SR-22 is filed.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate is over, verify with the MVD that your requirement has expired. Then, call your insurer to remove the filing endorsement.

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