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.
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
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage 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.
