Arizona Suspended License Insurance
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Suspended License Insurance — Arizona

Arizona requires 25/50/15 minimum liability coverage to reinstate a suspended license, plus SR-22 filing for DUI, reckless driving, or uninsured accidents. Monthly premiums with SR-22 average $140–$220. Non-owner policies satisfy reinstatement requirements without owning a vehicle.

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

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Updated June 2026

Minimum Coverage Requirements in Arizona

Arizona operates under a tort-based liability system, meaning the at-fault driver's insurance pays for damages. The Arizona Department of Transportation Motor Vehicle Division requires proof of financial responsibility for reinstatement after most suspensions. SR-22 filing is mandatory for DUI convictions, excessive points, at-fault accidents while uninsured, and certain violation accumulations.

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Liability Insurance
Arizona requires $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. This is the minimum to reinstate a suspended license. These limits cover less than one serious injury claim — medical transport alone can exceed $25,000 in Arizona metropolitan areas.
SR-22 Insurance
SR-22 is not insurance but a certificate your carrier files electronically with the Arizona MVD proving continuous coverage. If your policy lapses, the carrier notifies the MVD within 24 hours and your license suspends again. Arizona requires SR-22 for 3 years from the conviction or reinstatement date, whichever is later.
Non-Owner SR-22
Non-owner policies provide liability coverage when you drive vehicles you don't own. Arizona MVD accepts non-owner SR-22 for reinstatement even if you have no car. This is the standard path for suspended drivers who sold their vehicle, use public transit, or borrow cars occasionally.
Uninsured Motorist Coverage
Arizona does not mandate uninsured motorist coverage, but approximately 13% of Arizona drivers are uninsured despite state law. If an uninsured driver hits you, your own collision and medical payments come out of pocket unless you add UM coverage. Costs $8–$15/month for 25/50 limits.

How Much Does Car Insurance Cost in Arizona?

Arizona suspended license insurance costs depend on suspension cause, SR-22 filing requirement, and driver history. DUI suspensions increase premiums 80–140% over standard rates. Non-owner policies cost 40–60% less than owner policies because they exclude collision and comprehensive coverage.

What Affects Your Rate

  • DUI conviction increases premiums 80–140% in Arizona and triggers mandatory 3-year SR-22 filing
  • Phoenix metro drivers pay $20–$40/month more than rural Arizona due to higher accident and theft rates
  • SR-22 filing adds $15–$25/month to premiums regardless of coverage level
  • Non-owner policies cost $85–$130/month versus $140–$220/month for owner policies with identical liability limits
  • Suspended drivers under 25 pay 30–50% higher premiums than drivers over 25 with identical violations
  • Maintaining continuous coverage during suspension prevents additional surcharges at reinstatement
Non-Owner Minimum
$85–$130/mo
25/50/15 liability with SR-22 filing. No vehicle coverage. Satisfies Arizona reinstatement requirements for drivers without a car.
Owner Minimum
$140–$220/mo
25/50/15 liability with SR-22 filing, covers one vehicle. Meets state minimums but excludes collision, comprehensive, and uninsured motorist protection.
Standard Coverage
$210–$320/mo
50/100/25 liability, $500 deductible collision and comprehensive, uninsured motorist 50/100. Covers vehicle damage and medical costs above state minimums.

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Coverage Types

SR-22 Insurance

Electronic certificate filed by your carrier proving continuous coverage to the Arizona MVD. Required for DUI, reckless driving, excessive points, and at-fault uninsured accidents.

Non-Owner SR-22

Liability-only policy for drivers who don't own a vehicle. Satisfies Arizona reinstatement requirements and costs 40–60% less than owner policies.

Liability Insurance

Covers injury and property damage you cause to others. Arizona minimum is 25/50/15, which covers one moderate injury but exhausts quickly in multi-car accidents.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when an uninsured driver hits you. Optional in Arizona but recommended given 13% uninsured driver rate.

Full Coverage

Combines liability, collision, comprehensive, and uninsured motorist coverage. Protects your vehicle and medical costs beyond state minimums.

Find Your City in Arizona

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Frequently Asked Questions

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