Arizona DUI Insurance

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Arizona DUI Insurance

Looking for an affordable SR22 rate after a DUI violation?

Arizona DUI insurance (SR22 insurance) is a combination insurance policy and high-risk certificate. A licensed insurance agent binds the SR22 certificate to an auto policy or a non-owner insurance policy. When an agent files the certificate with the DMV, it allows you to reinstate your driving privileges after a DUI conviction. The results of a BADC test taken at the time of arrest determine a charge of DUI in Arizona. Several financial penalties result from getting a DUI conviction.

When you have an Arizona DUI conviction, you’ll need SR22 insurance for license reinstatement. 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’re capable of driving 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% 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 penalty of DUI offenses is having to install a tracking device in your vehicle. This 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, you can find an SR22 insurance company like UltraCar Insurance to help you reinstate your driving privileges.

If you don’t own a vehicle, you’ll need to get a non-owner SR22 insurance Arizona policy.

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 your 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.

There are other fines levied for a DUI conviction and fees associated with reinstating your license. The amount of these monetary penalties depend on the circumstances of your case.

If you have a non-owner insurance policy, your rate will usually be cheaper than an owner-operator 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 go away. 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 is still 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 Arizona DUI SR22 insurance, with competitive rates from A+ rated insurance carriers. Start your license reinstatement process today – speak with one of our friendly agents or click the quote button!

This article was last updated on July 7th, 2023 by