Updated April 2026
Minimum Coverage Requirements in Arizona
Arizona requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident, and $15,000 for property damage. Drivers convicted of DUI, driving without insurance, or causing an uninsured accident typically must file SR-22 proof of financial responsibility with the Arizona Motor Vehicle Division (MVD) for 3 years. Arizona operates on a point system where accumulating 8 points in 12 months triggers license suspension, and many point-generating violations increase insurance rates by 20–80% even without SR-22 requirements.
How Much Does Car Insurance Cost in Arizona?
High-risk auto insurance rates in Arizona depend heavily on violation type, points on your license, and whether you need SR-22 filing. Drivers with a single at-fault accident typically see rate increases of 20–40%, while DUI convictions can raise premiums by 80–150% or more. Rates begin to decrease after 3 years of violation-free driving, with most drivers returning to standard pricing 5–7 years after the incident if no new violations occur.
What Affects Your Rate
- Type of violation: DUI convictions increase rates 80–150%, while speeding tickets raise premiums 10–25%
- Points on license: Arizona suspends licenses at 8 points in 12 months; drivers near this threshold face non-standard pricing
- SR-22 filing requirement: adds $15–$35 filing cost plus restricts carrier options, often forcing placement with higher-cost non-standard insurers
- Time since violation: rates drop 10–20% each year after a violation if no new incidents occur; most drivers return to standard rates in 5–7 years
- Zip code: Phoenix and Tucson drivers pay 15–30% more than rural Arizona due to higher theft, accident frequency, and uninsured motorist claims
- Vehicle type: high-performance and frequently stolen vehicles (pickup trucks, older Hondas, Kia/Hyundai models) increase comprehensive premiums for high-risk drivers
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Sources
- Arizona Department of Transportation Motor Vehicle Division (ADOT MVD) – SR-22 and Financial Responsibility Requirements
- Arizona Revised Statutes Title 28 – Motor Vehicles (Point System and Suspension Thresholds)
- Arizona Department of Insurance and Financial Institutions – Consumer Insurance Guides