Being charged with a DUI in Arizona is serious—and the consequences go far beyond court fines and license suspensions. One major result is the need to file an SR-22 form, which affects your car insurance and your ability to legally drive. If you’re navigating a recent offense, it’s essential to understand how DUI and SR-22 insurance in Arizona works and what steps you need to take next.
In this post, we break down the basics of SR-22 filings, what they mean for your insurance, and how Arizona drivers can recover from a DUI-related charge.
What Is an SR-22?
An SR-22 isn’t actually insurance—it’s a certificate that proves you carry the minimum required auto insurance. After a DUI or serious traffic violation in Arizona, the state may require your insurer to file an SR-22 with the Department of Transportation (ADOT) to reinstate your driving privileges.
When Is SR-22 Insurance Required in Arizona?
If you’ve been convicted of any of the following, you may be required to carry SR-22 insurance in Arizona:
Driving under the influence (DUI)
Reckless driving
Driving without insurance
Repeated traffic violations or license suspensions
The SR-22 filing proves to the state that you are meeting your legal insurance obligations after a serious offense.
How DUI Affects Your Insurance in Arizona
A DUI conviction dramatically increases your car insurance rates. Most insurers consider drivers with a DUI to be high risk, and your premium could double or triple. On top of that, not all companies offer DUI and SR-22 insurance in Arizona, so your options may be limited.
How Long Do You Need SR-22 Insurance in Arizona?
Arizona typically requires drivers to maintain an SR-22 for 3 years after a DUI-related offense. If you cancel or let your policy lapse during this period, your insurer is required to notify the state, and your license may be suspended again.
How to Get SR-22 Insurance After a DUI in Arizona
Here are the steps to take if you need DUI and SR-22 insurance in Arizona:
Contact Your Insurer
Ask if they offer SR-22 filings. If not, you’ll need to switch to a provider that does.Purchase a High-Risk Policy
This type of policy includes the coverage required by law and allows for the SR-22 filing.Have the SR-22 Filed
Your insurer will submit the form directly to ADOT.Maintain Coverage Without Lapse
Any break in coverage can reset your filing period.
How Much Does SR-22 Insurance Cost?
Filing the SR-22 form itself usually costs about $25, but the real cost comes from increased insurance premiums. Expect to pay more for the duration of your high-risk status. However, there are ways to reduce your costs over time.
How to Save on DUI and SR-22 Insurance in Arizona
Take a Defensive Driving Course
Some insurers offer discounts if you complete a state-approved safety course.Compare Quotes from Different Providers
Not all insurance companies handle SR-22 filings the same. Shop around.Bundle Your Policies
If you also need renters or homeowners insurance, bundling can lower your rate.Maintain a Clean Driving Record
Avoid additional violations to help lower your rates over time.
What Happens When Your SR-22 Period Ends?
Once you’ve fulfilled the state’s SR-22 requirement, your insurer can file a form to remove it. After that, you may qualify for standard insurance rates again—especially if you’ve had no other violations.
Related Reading
How to Save the Most Money on Car Insurance
Conclusion
If you’ve been convicted of a DUI, don’t wait to take action. Understanding DUI and SR-22 insurance in Arizona is key to staying legal, protecting your finances, and eventually getting back on track with standard insurance. The sooner you address your situation, the more options you’ll have.
Need help finding affordable SR-22 insurance? Contact us today to get a quote from a licensed Arizona agent.
