SR22 Insurance Arizona

Arizona SR22 Insurance

Arizona SR22 Insurance

What is a Future Financial Responsibility Insurance Certificate (SR-22)?

What is a SR22 Arizona?

In Arizona, a "Future Financial Responsibility" certificate is a form of proof that demonstrates you have the necessary financial resources to cover potential damages or liabilities resulting from a car accident which is commonly referred to as a SR-22 Insurance policy.

Not all insurance companies provide SR22 insurance coverage. Insurance companies that do provide SR22s will put those drivers in a “high risk” pool of drivers which inevitably will require much higher premiums than regular automobile insurance.

Proof of Future Finance Responsibility Arizona SR22

In Arizona, Proof of Future Financial Responsibility can be either:


  • A SR22 Insurance Policy which is a special Certificate of Insurance from an insurance company licensed in Arizona.
  • certificate from the Arizona Office of Treasurer showing deposit in cash, bond, or certificates of deposit of $40,000
An insurance card or policy will not be accepted in place of a SR-22.

Authorized Insurance Providers - FR44 & SR22 Insurance Experts are licensed in Arizona

Who needs to file SR22 or Financial Responsibility

In Arizona, you need to file a SR22 with the MVD to reinstate your Driver License if your Driver License was revoked due to:

  • DUI Conviction
  • DUI Implied Consent Refusal
  • Violation of Arizona Insurance Laws (ARS 28-4135, ARS 28-4144)

If you fail to maintain proof, your license and the vehicle registration will be suspended until proof is re-established and provided.

How long do I have to have SR22 or provide proof of financial responsibility?

If a driver is required to have an SR22 proof of insurance must be maintained for three years from the date they become eligible for reinstatement. If you fail to maintain proof, your license and the registration will be suspended until proof is re-established and provided.

Cancelled, Terminated, or Lapsed SR-22

In Arizona, if your SR22 insurance lapses, the insurance company is required to notify the state, which could result in the suspension of your driver's license. To reinstate your SR22, you must contact a licensed insurance provider in Arizona to issue a new SR22 certificate and then submit it to the Arizona Department of Motor Vehicles (ADOT). You'll need to pay any associated filing fees, which typically range from $15 to $50.

The penalties for letting your SR22 insurance lapse include possible reinstatement of your license suspension and increased insurance premiums, as lapses mark you as an even higher risk. If your SR22 lapses, it is crucial to act quickly to reinstate it to avoid further penalties and to maintain the required continuous insurance coverage for the duration mandated by your initial SR22 requirement, typically three years.

To manage the reinstatement smoothly, make sure you have proof of insurance that meets the state’s minimum coverage requirements, the completed SR22 form from your insurer, and the necessary funds to cover the filing fee. Once these are prepared, your insurer can file the form on your behalf with the Arizona Department of Transportation​

Minimum Liability Amounts - Arizona SR22

In Arizona, the minimum coverage requirements for SR22 insurance are designed to meet the state's basic auto liability insurance mandates. The minimum liability coverage amounts for an SR22 insurance policy in Arizona are:

  • $25,000 for bodily injury or death to one person in one accident.
  • $50,000 for bodily injury or death to two or more persons in one accident.
  • $15,000 for property damage in one accident.

These coverage limits ensure that drivers have adequate insurance to cover damages or injuries caused in an accident, particularly for those who have been deemed high-risk drivers due to previous violations such as DUIs, driving without insurance, or other serious traffic offenses. Maintaining an SR22 certificate is typically required for a period determined by the court or the state motor vehicle department, and it must be upheld without interruption to avoid further penalties or suspension of driving privileges.

Arizona Drivers License Reinstatement

Once you're eligible to reapply, you should fill out an investigation packet. After review, if you're deemed eligible for reinstatement, you will receive a Permission to Reapply Notice. You should follow the directions provided on this notice for the next steps.

For revocations due to alcohol or drug issues, you'll likely need to show proof of Future Financial Responsibility, typically through an SR-22 form.

Take this documentation along with your notice to any MVD or Authorized Third Party office. Here, you'll need to complete an application and pay a reinstatement fee of $20, which does not include personal checks, as well as an application fee.

If your reinstatement requires an ignition interlock device, it's important to contact the MVD beforehand to ensure no restrictions would prevent you from driving. Before you can reinstate your license, you must provide evidence that the interlock device is installed and functioning.

Here’s a simple explanation of how to reinstate your Arizona driver's license, especially focusing on when and how to use the SR22 form.

When to File an SR22 Form

If your license was suspended due to severe traffic violations or because you were caught driving without insurance, you’ll likely need to file an SR22 form. Typically, you need to keep this form on file with the state for about three years, but the exact time can vary depending on your situation.

Steps to Reinstating Your Arizona Driver's License

Check Your Suspension Notice:

This notice from the Arizona Motor Vehicle Department (MVD) will tell you why your license was suspended and for how long. It will also list the specific steps you need to follow for reinstatement.

Complete Any Mandated Courses:

Depending on the reason for your suspension, you might need to complete a defensive driving course or a substance abuse program.

Purchase Auto Insurance:

If you don’t already have auto insurance, you’ll need to buy it. If your situation requires an SR22, make sure the insurance company you choose offers it and is approved to do business in Arizona.

Submit Your SR22 Form:

Ask your insurance company to submit an SR22 form directly to the Arizona MVD. You can often do this online through your insurance provider’s website.

Pay Reinstatement Fees:

There will likely be fees associated with reinstating your license. You can pay these fees online, in person at an MVD office, or through the mail.

Apply for License Reinstatement:

;Finally, you’ll need to apply for reinstatement, which might involve filling out paperwork and providing documents that show you’ve met all the requirements. This can often be done online, but depending on your case, you may need to visit an MVD office.

Keep Track of Your SR22

It’s crucial to maintain your SR22 and keep your insurance policy active without any lapses. If you cancel your insurance or let it lapse, your insurance provider is required to notify the state, which could lead to your license being suspended again.

Getting Help

If you’re unsure about any part of this process, the Arizona MVD website has resources that can help, or you could consider talking to a customer representative at an MVD office. They can provide guidance tailored to your specific situation. The agents at FR44 & SR22 Experts can answer any and all of your questions as well.  Please contact us with any questions


Arizona Penalties

wdt_ID Question First-Time Offense Second Time Offense Third- Time offense
2 Misdemeanor or felony? Class 1 misdemeanor Class 1 misdemeanor Class 4 felony
3 Fine? Minimum $1250 fine Minimum $3000 fine From $4000-$150,000 fine
4 Jail Time Minimum 10 days in jail Minimum 90 days in jail with at least 30 days served consecutively Will serve minimum of 4 months, maximim of 2 years in jail; not eligible for probation or suspended sentence
5 Mandatory IID installment Yes for 12 months, 18 months for BAC of 0.20 or greater Yes for 12 months, 18 months for BAC of 0.20 or greater Yes, for two years
6 Drivers License Suspended/revoked? 90 days Yes, for 12 months Yes, for three years
7 Alcohol education, treatment, screening Yes Yes Yes
8 Probation Up to 5 years Up to 5 years Up to 10 years
9 Community Service Yes Yes Yes
Question First-Time Offense Second Time Offense Third- Time offense

Financial Responsibility Laws - License Suspension

The Driver License Suspension time for:

No Mandatory Vehicle Insurance  - 3 months to one year
Accident without Insurance - one year suspension

When the suspension time is up, Arizona requires a reinstatement application is filed and approved, a SR-22 Form be submitted, and proof of sr22 of z xf22 insurance policy be maintained for a minimum of three years.

This sr-22 Financial Responsibility form should be kept with you any time you are driving for the active period. It can be a SR22 online form, but it is always best to have a paper copy also. A Certificate of Financial Responsibility or SR-22 can be shown as an Insurance ID card depending on the Insurance Provider.


With over 15 years of experience, FR44 & SR22 Experts stands out as one of the leading agencies specializing in SR22 insurance. Throughout our tenure, we have consistently demonstrated our expertise and have become a trusted name in the industry. Our commitment to providing exceptional service sets us apart from the competition.

At FR44 & SR22 Experts, we prioritize customer satisfaction above all else. We understand the importance of efficiency and reliability when it comes to obtaining SR22 insurance, and we deliver on both fronts. Our team of knowledgeable professionals is well-versed in the intricacies of SR22 filings and will guide you through the process seamlessly.

What truly sets us apart, however, is our unbeatable pricing. As the State of Arizona's premier SR22 agency, we have leveraged our industry connections to negotiate the most competitive rates for our clients. We believe that everyone deserves access to affordable insurance, and we are proud to offer the cheapest prices in the state.

When you choose FR44 & SR22 Experts, you can rest assured that your SR22 insurance needs will be met with utmost care and precision. Our streamlined approach ensures that the process is not only fast and efficient but also accurate. We understand the importance of getting it right the first time, and our experienced professionals leave no room for errors or delays.

Don't let the burden of SR22 insurance weigh you down. Let FR44 & SR22 Experts be your trusted partner in navigating the complexities of SR22 filings. With our exceptional service, unbeatable prices, and commitment to doing things right, we guarantee a stress-free experience. Contact us today and discover why we are the top choice for SR22 insurance in Arizona.

Arizona FAQ's

SR22 – Arizona Driver License Reinstatement

When a driver license suspension period is served, in order to reinstate an Arizona Driver License you must file and application with the Arizona MVD.

Once approved, a SR22 Insurance Certificate or SR-22 Financial Responsibility Form will be required.  FR44 & SR22 Insurance Experts can assist and provide the necessary documentation the same day it is requested.

You can review or download the form here:

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Arizona SR-22 Filing – Understanding the SR-22 Form

What is SR-22 filing - Essential Information for Arizona Drivers

If you're a driver who has recently faced driving-related legal issues, such as DUIs or excessive speeding tickets, you might be familiar with the term "SR-22." But what exactly is an SR-22? Often misunderstood as a type of insurance, the SR-22 is actually a certificate of financial responsibility required by your state to prove that you carry the minimum required auto insurance. In Arizona this is also called a SR22 Future Financial Responsibility form.

What is an SR-22 Form?

An SR-22 form is a document that your insurance company files with the Arizona Motor Vehicle Depatment (MVD) to certify that you are maintaining car insurance liability coverage. It is often required for drivers who are considered high risk due to previous traffic violations or accidents.

Does This Driver need an SR 22?

You might ask do I need SR 22 insurance.  There are several circumstances where you might need to submit an SR-22 form. These include, but are not limited to, reinstating a suspended driver’s license following a DUI conviction, at-fault accidents while driving without insurance, or repeat traffic offenses in a short time frame. It serves as "proof of SR-22 insurance" for drivers who are working to regain their full driving privileges.

Broker Fee for SR22 in Arizona

In Arizona, obtaining an SR-22 certificate may involve a broker fee. This fee is charged by the insurance broker or agent for processing the SR-22 form on top of your regular insurance premium. The fee can vary significantly  but is generally a one-time charge.

The Convenience of Using an SR22 Online Form

In today's digital age, handling legal and financial requirements online has become more straightforward and efficient, including the process of obtaining an SR22 certificate. An SR22 online form simplifies the filing process, making it accessible and less time-consuming for drivers who need to prove financial responsibility to their state's motor vehicle department.

Benefits of Filing an SR22 Online

Efficiency and Speed: Using an online form for your SR22 filing can significantly reduce the time it takes to process and submit the necessary documentation to the state authorities. Most insurance companies that offer SR22 certificates have a system in place for online submissions, which means your form can be processed and filed shortly after completion.

Accessibility: The ability to submit an SR22 form online means you can handle this requirement from anywhere with internet access. This is particularly beneficial for those who may find it challenging to visit an insurance agent in person due to time constraints or geographical limitations.

Ease of Use: Online forms are typically user-friendly, guiding you through each step of the process. This can help reduce errors in your application, ensuring that your information is accurate and correctly reported to the state authorities.

Immediate Confirmation: Once your SR22 is filed online, you often receive immediate confirmation of its submission and acceptance. This instant feedback can provide peace of mind that your legal obligations are being met on time.

How to File an SR22 Online

  1. Select a Provider: Choose an insurance company that offers SR22 filings and supports online submissions. It's essential to ensure that the provider is licensed to operate in your state and offers competitive rates.
  2. Purchase Your Policy: If you do not already have insurance, you will need to purchase a policy that meets your state's minimum liability requirements. If you already have insurance, you may need to adjust your policy to include SR22 coverage.
  3. Complete the SR22 Form: Fill out the SR22 form online through your insurer’s website. This will typically require personal information, your driver's license number, and details about your insurance coverage.
  4. Submit and Pay Fees: Once you complete the form, submit it along with any necessary fees. These can include a processing fee for the SR22 itself and potentially a broker fee, depending on your insurer.
  5. Confirmation and Monitoring: After submission, monitor your email or account for confirmation of filing. Keep records of all communications and confirmations related to your SR22 filing.

Maintaining Your SR22 Filing

Remember, maintaining your SR22 filing without interruption is crucial. Avoid lapses in your insurance coverage, as any gap can result in the state being notified, which might lead to penalties or the reinstatement of a suspended license.

What happens if an insurance policy lapses while having an SR-22?

When an insurance policy lapses while having an SR-22, it can have serious consequences. An SR-22 is a certificate of financial responsibility that is often required for individuals who have been convicted of certain driving-related offenses, such as driving under the influence (DUI) or driving without insurance. If your insurance policy lapses while you have an SR-22 on file, it means that you are no longer meeting the state's requirements for financial responsibility.

The specific consequences of allowing your insurance policy to lapse while having an SR-22 can vary depending on the laws and regulations in your state. In most cases, failing to maintain continuous insurance coverage with an SR-22 on file can result in the suspension or revocation of your driver's license, fines, and potentially even jail time. Additionally, having a lapse in coverage could make it more difficult and expensive to obtain insurance coverage in the future.

It is crucial to understand the requirements of having an SR-22 and to ensure that you maintain the necessary insurance coverage without any lapses. If you are facing challenges in keeping up with your insurance payments, it is important to contact your insurance provider immediately to discuss your options and avoid the potential consequences of a lapse in coverage.

What is SR22 and what does it mean in Arizona?

In Arizona, an SR22 is a certificate of financial responsibility required by the state for drivers who’ve had their licenses suspended or revoked due to certain offenses. It’s a form filed with Arizona’s Department of Motor Vehicles (DMV) by an insurer to prove that a driver carries the state-mandated minimum auto insurance.

The SR22 requirement in Arizona is typically for drivers who have committed serious traffic violations, such as DUIs, at-fault accidents without insurance, or repeat traffic offenses. This certificate signals to the state and insurers that the driver is considered high-risk. As a result, obtaining and maintaining auto insurance with an SR22 in Arizona often leads to higher insurance premiums. Drivers are generally required to keep the SR22 for a period of three years, during which they must not have any lapses in their insurance coverage. Failure to comply can result in further suspensions.

The process involves finding an insurance company willing to file an Arizona SR22 on behalf of the driver and ensuring continuous coverage to uphold the driver’s legal right to drive. Given the increased insurance rates associated with SR22 filings, it’s advisable for affected drivers to shop around for the best possible rates and to focus on improving their driving records to reduce future insurance costs.

How much does an SR22 cost in Arizona?

The cost of an SR22 in Arizona itself is typically around $20 to $50 for the filing fee. However, the overall impact on insurance premiums is where drivers see the most significant cost, potentially increasing by hundreds to thousands of dollars annually, depending on various factors.

In Arizona, as in other states, an SR22 certificate is required for drivers who have had their driving privileges suspended or revoked due to serious traffic offenses, such as DUIs, reckless driving, or driving without insurance. This certificate serves as proof that the driver has purchased the minimum liability insurance coverage required by Arizona law.

The cost of SR22 insurance in Arizona is influenced by several key factors, including the driver’s past driving record, the specific reasons necessitating the SR22 filing, the policies of the insurance provider, and the level of coverage chosen by the driver. These factors collectively play a critical role in determining the overall cost of SR22 insurance.

A driver’s historical driving record is a significant determinant of insurance premiums. A history of traffic violations or accidents indicates a higher risk to insurance companies, which typically results in increased rates. Moreover, the specific circumstances leading to the requirement for SR22 filing, such as a DUI conviction, can further elevate the risk level perceived by insurers and, consequently, the cost of insurance.

Insurance providers in Arizona have varying policies and rates for drivers requiring SR22 certification. This variability means that the cost can differ substantially between companies. Therefore, it’s advisable for drivers to shop around and obtain quotes from multiple insurers to find the most affordable coverage that meets their needs.

Furthermore, the level of coverage selected by the individual affects the cost. Choosing a policy that provides coverage above the minimum requirements can offer better protection in the event of an accident but also leads to higher premiums. Drivers need to balance their need for comprehensive coverage with the financial implications of higher insurance costs.

It’s also worth noting that Arizona law requires drivers needing an SR22 to maintain it for a minimum period, typically three years. During this time, maintaining a clean driving record and avoiding any additional violations or lapses in coverage is crucial to prevent further increases in insurance costs.

In conclusion, while the filing fee for an SR22 in Arizona is relatively modest, the real financial impact lies in the increased insurance premiums. The driver’s past driving record, the reason for the SR22 requirement, the insurance company’s policies, and the desired level of coverage are all critical factors that influence the cost. Drivers in need of SR22 insurance should carefully consider these factors to manage the cost while ensuring they have the necessary protection.

For more frequently asked questions and additional information please see FAQ's

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FR44 & SR22 Experts is licensed in Arizona, California, Colorado, Florida, Illinois, Missouri Nevada, New Mexico, Ohio, Texas, and Virginia.