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SR-22 in Arizona: Fees, Minimum Coverage and How Long
The short answer
In Arizona, an SR-22 is a certificate your insurance company files with the Arizona MVD to prove you carry at least the state minimum liability insurance of $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15). You must keep it in force for 3 years; if the policy is canceled early, the insurer reports it and your license can be suspended again. The state charges no fee for the SR-22 itself; your insurer may charge its own filing fee. The state's reinstatement fees are $10 to $50, depending on the suspension.
At a glance
| Uses SR-22 | Yes |
|---|---|
| Minimum liability | 25/50/15 |
| How long | 3 years |
| State reinstatement fee | $10 to $50 |
| Who files it | Your insurance company |
What else to know in Arizona
Arizona calls the SR-22 "future financial responsibility." Instead of insurance, a driver may deposit $40,000 with the State Treasurer. License reinstatement is $10 plus an application fee of $10 to $25 depending on age, or $50 for Admin Per Se cases.
Steps
- Get a liability policy of at least 25/50/15 from an insurer licensed in Arizona and tell them you need an SR-22. Not every insurer provides it.
- The insurer files the SR-22 with the Arizona MVD. You cannot file it yourself.
- Pay the state's fees on your suspension notice. The state's reinstatement fees are $10 to $50, depending on the suspension.
- Keep the policy active for 3 years. Before you cancel, confirm with the state that your requirement has ended; canceling early can suspend your license again.
FAQ
How long do I need the SR-22 in Arizona?
3 years, under Arizona's rules (see the sources below).
Does Arizona charge a fee for the SR-22?
No. It is filed by your insurer, which may add its own charge. The state's reinstatement fees are $10 to $50, depending on the suspension.
Can I get an SR-22 without a car?
Yes. Some insurers offer non-owner SR-22 policies for drivers without a vehicle. Coverage depends on the policy; ask the insurer.
What liability limits does Arizona require?
$25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage (25/50/15). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.