Arizona Suspended License Insurance
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Suspended License Insurance — Arizona

Arizona requires 25/50/15 liability coverage and is an at-fault state.

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Arizona at a Glance

25/50/15

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

$10

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 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.

Liability Insurance

This is the minimum to reinstate a suspended license.

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

If an uninsured driver hits you, your own collision and medical payments come out of pocket unless you add UM coverage.

What Drivers Pay in Arizona

$225–$414/mo

Typical monthly rate in Arizona, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Maintaining continuous coverage during suspension prevents additional surcharges at reinstatement
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If your license is suspended

Restricted Driver Permit (DUI: Special Ignition Interlock Restricted License)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

Do I need insurance while my Arizona license is suspended?

Yes, if your suspension was caused by DUI, reckless driving, excessive points, or an at-fault uninsured accident. Arizona MVD requires continuous SR-22 coverage during the entire suspension and 3-year filing period to prevent re-suspension. Administrative suspensions for unpaid tickets or child support may not require SR-22, but maintaining coverage prevents additional surcharges when you reinstate.

Can I get a hardship license in Arizona during suspension?

Arizona does not offer traditional hardship or restricted licenses during DUI suspensions. You must serve the full suspension period before applying for reinstatement. For non-DUI suspensions, you may qualify for restricted driving privileges through the Arizona MVD Special Plate Unit if the suspension is administrative rather than violation-based.

How long does Arizona require SR-22 filing after a DUI?

Arizona requires SR-22 for 3 years from the date of conviction or the date you reinstate your license, whichever is later. If you delay reinstatement by 2 years, the 3-year clock starts when you reinstate, not when you were convicted.

Which Arizona insurance carriers file SR-22?

Progressive, GEICO, The General, Bristol West, and Acceptance Insurance file SR-22 electronically with the Arizona MVD. State Farm and Allstate file SR-22 but typically decline suspended license applicants. Non-standard carriers like The General and Bristol West specialize in high-risk drivers and approve most SR-22 applications within 24–48 hours.

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

Phoenix

urban

Tucson

urban

Mesa

suburban

Chandler

suburban

Gilbert

suburban

Scottsdale

suburban

Tempe

suburban

Peoria

suburban

Surprise

suburban

Avondale

suburban

Goodyear

suburban

Flagstaff

urban