Arizona SR-22 Insurance (2026): Cost & Cheapest Companies After a DUI
After an Arizona DUI conviction, MVD requires an SR-22 filing for 3 years from the date of suspension — not your conviction date. The certificate is inexpensive; the premium surcharge is the real cost, and comparing carriers is the fastest way to lower it.
| What it is | Certificate your insurer files with Arizona MVD proving you carry state-minimum liability coverage |
| How long you carry it | 3 years from the date of suspension (per AZ MVD FAQ) |
| Filing fee | $15–25 (the certificate; the premium surcharge is the real cost) |
| Typical premium, first DUI | ~$120–200/mo vs. ~$60–90 for a clean-record driver |
| Minimum liability limits | 15/30/10 ($15k bodily injury / $30k per crash / $10k property damage) |
| If it lapses | Insurer notifies MVD → license suspended → reinstatement fees → clock may reset |
How much SR-22 costs in Arizona
The SR-22 filing itself costs only $15–25. The real expense is the DUI surcharge baked into your premium. A first-DUI Arizona driver typically pays $120–200/month for minimum coverage, versus $60–90 with a clean record — a surcharge that runs for the full 3 years. Arizona has relatively low minimum liability limits (15/30/10), so some drivers opt for more coverage; higher limits mean a higher premium, but also better protection if you’re in an accident during the filing period.
Cheapest SR-22 carriers in Arizona
Most standard insurers don’t write SR-22 policies, concentrating the market among carriers that specialize in high-risk coverage. Quotes for the same driver routinely differ by 200% or more. Starting points for 2026:
| Carrier | Notes |
|---|---|
| State Farm | Often the most competitive standard carrier for a single DUI in Arizona |
| Progressive Specialty | Strong non-standard market presence statewide |
| Allstate | Broad Arizona availability, competitive for single-offense records |
| Bristol West / Kemper Specialty | Non-standard carriers that routinely write SR-22 policies |
Availability and pricing depend on your record, county, and vehicle. Compare multiple carriers before buying.
How to file an SR-22 in Arizona
Your insurer handles the filing. The process:
- Buy a policy from a carrier that writes SR-22s in Arizona.
- Request the SR-22 filing — most carriers submit electronically to MVD, often same day.
- Keep the policy active without any lapse for 3 years from your suspension date.
- When the term ends, confirm with your insurer that the SR-22 obligation is closed.
Separate MVD fees apply to your DUI suspension: a $20 reinstatement fee plus a $50 Admin Per Se fee, paid directly to MVD.