Violation Insurance
Get a Quote
A two-lane road curves past red sandstone cliffs and desert scrub at sunset, with distant mesas and an orange-lit sky.

Arizona Car Insurance After a DUI or Violation

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

Find Coverage for My Situation

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

Yes

A defensive driving course can reduce points on your record

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

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.

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.

Liability Insurance

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.

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.

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.

What Drivers Pay in Arizona

$286–$306/mo

Typical monthly rate in Arizona, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • 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
A man in a brown suede jacket, dark shirt, dark trousers and brown boots leans against the open door of a dark sedan on a rooftop parking deck, with a blurred city skyline at dusk behind him.

Get Back to a Fair Rate After a Violation

Find Coverage for My Situation

Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, violations, accidents, or lapses. Non-standard carriers specialize in high-risk profiles and offer SR-22 filing, but charge premiums 50-200% higher than standard rates.

SR-22 Insurance

Not a separate insurance policy — SR-22 is a certificate your insurer files with the state proving you carry required coverage. Available only through non-standard carriers in Arizona.

Non-Standard Auto Insurance

Coverage from carriers that accept high-risk drivers rejected by standard insurers. These carriers offer SR-22 filing and flexible underwriting, but at significantly higher premiums.

Liability Insurance

Covers bodily injury and property damage you cause to others. Arizona's minimum liability limits are typically 25/50/15, which must be maintained continuously during your SR-22 filing period.

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