SR22 Insurance Arizona

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SR22 Insurance Arizona

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SR22 insurance Arizona is a financial responsibility form. A high-risk auto insurance provider submits it to the state to reinstate a driver’s license. You can file an SR22 if you own a vehicle, or if you’re not a vehicle owner. The two types of certificates accomplish the same goal, but in different ways. Arizona SR22 is high risk insurance for drivers with suspended licenses. It requires the policyholder to maintain insurance coverage in exchange for reinstating their driving privileges.

You’ll need to file a certificate called SR22 insurance Arizona with the state DOT to regain your driving privileges after license suspension. SR22 is a certificate of financial responsibility required for license reinstatement. The state requires drivers with license suspensions to maintain it for three to five years.

Why do I need SR22 insurance Arizona?

The most common reasons people need high-risk auto insurance are:

  • DUI or DWI conviction
  • Reckless driving citation
  • Refusal to submit a DUI breath or BAC test
  • Uninsured accidents
  • Too many points on your driving record
  • Child support or neglect cases
  • Legal judgments

How does SR22 insurance work?

All Arizona vehicle owners must carry minimum liability insurance coverage. After a license suspension, you’ll have to buy a high risk insurance certificate to reinstate your license. SR22 insurance Arizona is a financial responsibility form endorsed to your auto insurance policy. The filing guarantees that you’ll maintain this insurance without lapse for a specific time. The insurance company that issues your policy monitors it to ensure it stays current throughout. If it lapses even once, the insurance company notifies the Department of Transportation (DOT) by filing an SR26 form with the state. This results in an immediate suspension or revocation of your license.

Two types of SR22 insurance

Owner SR22: Your insurance provider files an owner/owner-operator certificate if you own a registered vehicle. An owner certificate is an endorsement to your auto insurance policy. You can get owner/owner-operator insurance with liability-only coverage, or you can add comprehensive and collision coverage.

Non Owner SR22: Your agent issues a non-owner certificate if you don’t own a vehicle yourself, but may drive a borrowed vehicle from time to time. You’ll buy a non-owner insurance policy with a non owner SR22 insurance Arizona endorsement. Non owner insurance coverage is liability-only. It insures you when you drive certain types of non-owned vehicles.

Arizona DOT

You can get more information about license revocation and suspension and SR22 insurance on the Arizona Department of Transportation website.

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