Arizona SR-22 Insurance
Arizona sets liability minimums of 25/50/15, below the 25/50/25 most states use, held for three years. Lower minimums make the policy cheaper to carry, though they also leave you covered for less if you cause a serious crash. Your carrier files the certificate with the Arizona Motor Vehicle Division.
- Licensed in Arizona
- Same-day filing
- Non-owner policies
- Helping drivers since 2016
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.
Who Needs to File in Arizona?
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.
The Arizona Reinstatement Timeline
- 01
Check Status
Log into the AZ MVD Now portal to view your specific suspension details and required fees.
- 02
Secure SR-22
Purchase a policy. Your carrier will electronically transmit the certificate to the MVD database.
- 03
Pay Fees
Pay any outstanding reinstatement fees online through the AZ MVD Now portal.
- 04
License Valid
Once the SR-22 is logged and fees are cleared, your license status changes to 'Valid'.
Arizona against most states
How Arizona compares with the rest of the country.
| Requirement | Arizona | Most states |
|---|---|---|
| Minimum liability | 25/50/15 | 25/50/25 |
| Filing period | 3 Years | 3 Years |
The Cost of Non-Compliance
Don't Own a Car in Arizona?
A non-owner Arizona SR-22 covers you as a driver of cars you do not own, and it satisfies the same three-year filing at the same 25/50/15 limits. Because it insures no vehicle, it typically costs less than standard coverage.
SR-22 in Phoenix, Tucson and the rest of Arizona
The rule is the state's, so it reads the same in Phoenix, Tucson, Mesa, Chandler, Scottsdale and Glendale, and everywhere else in the state. There is no city filing, no city form and no city office that changes it. What changes between drivers is the premium, and that is set against your record rather than your address.
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 Arizona 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.
- Can I get a Non-Owner policy in Arizona?
- Yes, Arizona allows Non-Owner SR-22 filings. This is the cheapest way to reinstate your license if you do not own a vehicle.
- 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.
Questions that are the same in every state, like what happens when a policy lapses, are answered on the SR-22 FAQ. What an SR-22 actually is, and is not, is on the SR-22 explainer.
SR-22 rules in all 50 states
Requirements change at the state line. Arizona is marked; every other state is one tap away.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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