You’ll need SR22 insurance for license reinstatement when you have an Arizona DUI conviction. It’s unlawful in Arizona for any driver to operate a motor vehicle under the influence of drugs or alcohol.
All drivers are aware that they should not drink and drive. Unfortunately, people sometimes make the wrong decision because they’re impaired. Even if you think you can drive safely, calling a friend or taking an Uber or taxi is far less expensive than the costs of a DUI or DWI conviction.
Arizona DUI Penalties
Implied Consent
Implied Consent means that you will agree to take a sobriety test if arrested for DUI when you accept an Arizona driver’s license. The state determines BADC (blood alcohol or drug content) by testing blood, breath, urine, or other bodily substances. If you refuse to test, the state will suspend your license immediately. License suspension is one year for a first refusal and two years for a second refusal occurring within seven months of the first.
Zero Tolerance
The BADC necessary for an Arizona DUI charge is 0.08% for drivers 21 or older or 0.04% for commercial vehicle drivers. In addition, drivers under age 21 cannot have any detectable amount of alcohol in their blood, a policy known as Zero Tolerance.
Ignition Interlock
Another cost associated with a DUI conviction is installing a tracking device in your vehicle. An ignition interlock device tests your BADC before you can start the car. The Arizona Department of Transportation (ADOT) website has more information about Driving Under the Influence (DUI) penalties and ignition interlock requirements.
How to get Arizona DUI insurance
A necessary first step is finding an insurance company specializing in SR22 DUI insurance that offers competitive rates. Your current insurance company may not be able or willing to file an SR22 certificate after a DUI conviction. If not, an SR22 insurance company like UltraCar Insurance can help you reinstate your driving privileges.
You must get a non-owner SR22 insurance Arizona policy if you don’t own a vehicle.
How much does Arizona DUI insurance cost?
Compared to other states, Arizona typically has relatively low auto insurance rates. However, Arizona DUI SR22 insurance will increase auto insurance premiums by 10-40% over standard rates. How SR22 insurance costs are determined depends on the circumstances of the Arizona DUI conviction and on the insurance carrier that underwrites the policy.
The state levies other fines and fees for reinstating your license after a DUI conviction. The amount of these monetary penalties depends on the circumstances of your case.
Your rate is usually cheaper than an owner-operator policy if you have a non-owner insurance policy.
How long will you need SR22 insurance?
The typical amount of time you’ll need to carry SR22 insurance is three years. However, the length of your SR22 requirement depends on the circumstances of your Arizona DUI conviction. Even if you move out of state within that time, the requirement does not expire. Suppose you cancel or miss your SR22 payments after moving. In that case, it will directly impact your ability to get a license in any other state. If you move to another state while your SR22 obligation remains active, talk with your insurance provider about getting an out-of-state SR22 policy.
After you get an SR22 policy and file your certificate, keep your policy in good standing while the state requires it. If you cancel your existing SR22 policy or stop making payments, the insurance carrier notifies the Arizona DMV. This notification results in another license suspension, reinstatement fees, or additional penalties and can further increase your insurance rate.
Arizona SR22 liability insurance requirements
To meet Arizona’s minimum liability insurance requirements, your owner-operator or non-owner SR22 policy must have coverage of at least 25/50/15.
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $15,000 property damage coverage per accident
UltraCar Insurance specializes in affordable Arizona SR22 insurance, with competitive rates from A+-rated insurance carriers. Start your license reinstatement process today – speak with one of our friendly agents or start an online quote!
