Arizona Car Insurance After a DUI or Violation

Your current insurer will likely non-renew your policy after a DUI or serious violation. Arizona typically requires SR-22 filing for 3 years, and your premium may increase 50-200% or more depending on the offense.

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

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Updated April 2026

Minimum Coverage Requirements in Arizona

After a DUI or serious violation in Arizona, most carriers will non-renew your policy at the end of your current term rather than cancel it immediately — giving you weeks, not days, to find replacement coverage. Arizona typically requires continuous SR-22 filing for 3 years following certain violations, meaning your new insurer must file proof of coverage with the state Motor Vehicle Division and maintain it without lapse. You'll need to switch to a non-standard auto insurance carrier that specializes in high-risk drivers, as most standard insurers do not offer SR-22 filing.

Typically 25/50/15

SR-22 Filing

SR-22 is not insurance — it is a certificate your insurer files with Arizona proving you carry at least the state-required minimum liability coverage. Not all carriers offer SR-22 filing, so you'll need to switch to a non-standard insurer that does. The filing itself typically costs $15-$50, but the real cost is the higher premium charged by high-risk carriers.

Varies by carrier

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record. These carriers charge significantly higher premiums than standard insurers, but they are often the only option for drivers who need SR-22 filing. Expect to pay 50-200% more than you did before the violation.

Typically 25/50/15

Liability Insurance

Arizona typically requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident, and $15,000 for property damage. This is the legal minimum you must maintain during your SR-22 filing period — any lapse will extend your filing requirement and may result in additional license suspension.

Varies by carrier

High-Risk Auto Insurance

High-risk auto insurance refers to coverage for drivers classified as high-risk due to violations, DUIs, accidents, or lapses. In Arizona, high-risk drivers typically face premiums 2-3 times higher than standard rates, with DUI offenders seeing the steepest increases. Most high-risk carriers offer SR-22 filing as part of their policies.

Optional

Comprehensive and Collision Coverage

While Arizona does not require comprehensive or collision coverage for SR-22 drivers, lenders will if you have a car loan or lease. These coverages protect your vehicle from damage, theft, or total loss — and premiums will be significantly higher with a violation on your record.

State-Mandated Minimum Coverage · Arizona

Arizona Minimum Coverage

Coverage	Minimum
Bodily Injury (per person)	$25,000,000
Bodily Injury (per accident)	$50,000,000
Property Damage	$15,000,000

License Reinstatement Fee$10

Meeting the state minimum keeps you legal. See whether it's enough — get your Arizona quote.

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How Much Does Car Insurance Cost in Arizona?

Arizona drivers with DUIs or serious violations typically see premium increases of 50-200% or more compared to their previous rates, depending on the offense severity and driving history. DUI convictions carry the steepest increases — often doubling or tripling premiums — while reckless driving or uninsured motorist violations typically result in 50-100% increases. These rates remain elevated for 3-5 years, gradually decreasing as the violation ages off your record.

What Affects Your Rate

Violation type: DUI convictions cause the steepest rate increases (100-200%), while reckless driving or uninsured motorist violations typically increase rates 50-100%
Time since violation: rates gradually decrease as the violation ages, with most carriers offering rate reductions after 3-5 years
Driving record beyond the violation: additional tickets or accidents compound the rate impact significantly
Vehicle type: comprehensive and collision premiums for high-risk drivers are especially high for newer or high-value vehicles
Location within Arizona: urban areas like Phoenix and Tucson typically see higher violation-driver rates due to higher accident and theft rates
Carrier availability: non-standard carriers that offer SR-22 filing in Arizona have limited competition, reducing rate negotiation leverage

Minimum Liability (SR-22)

$150-$350/month

State-required minimum coverage with SR-22 filing. The cheapest legal option for high-risk drivers, but provides no protection for your own vehicle and minimal liability limits.

Standard Liability

$200-$450/month

Higher liability limits (such as 50/100/50 or 100/300/100) with SR-22 filing. Recommended for drivers with assets to protect, though premiums remain significantly elevated due to violation status.

Full Coverage (SR-22)

$300-$700/month

Liability plus comprehensive and collision coverage. Required if you have a loan or lease, and significantly more expensive for high-risk drivers — especially those with DUIs or multiple violations.