Arizona Auto Insurance After License Reinstatement
Arizona requires 25/50/15 liability coverage and is an at-fault state.
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Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$10
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arizona
Arizona operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages in an accident. The state requires proof of insurance at all times and mandates electronic verification through the Arizona Automated Insurance Reporting System. Arizona does not require uninsured motorist coverage, but rejecting it must be done in writing at policy inception — verbal rejection does not satisfy the legal standard and the coverage will be added automatically if the written waiver form is not completed.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Non-Owner SR-22 Policy
What Drivers Pay in Arizona
$225–$414/mo
Typical monthly rate in Arizona, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement QuoteIf your license is suspended
Restricted Driver Permit (DUI: Special Ignition Interlock Restricted License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing in Arizona after reinstatement?
Arizona requires SR-22 filing for 3 years after DUI or reckless driving convictions, 3 years after driving on a suspended license, and 1 year after uninsured driving violations. The filing period starts from your reinstatement date, not your conviction or suspension date. If your policy lapses at any point during the required period, Arizona MVD re-suspends your license immediately and the SR-22 clock resets from zero when you refile.
Can I get standard auto insurance immediately after reinstatement in Arizona?
Most standard carriers in Arizona will not write policies for drivers within 3 years of a license reinstatement, particularly for DUI-related suspensions. You will need coverage from a non-standard or high-risk carrier for the first 1-3 years. After maintaining continuous SR-22 filing and a clean record for 3 years post-reinstatement, standard carriers will begin quoting you, though surcharges for the original violation often persist for 5 years from the conviction date.
Do I need SR-22 filing if I only drive a company vehicle in Arizona?
Yes. Arizona requires SR-22 filing to maintain a valid driver's license after certain suspensions, regardless of vehicle ownership. If you do not own a vehicle, you need a non-owner SR-22 policy, which provides liability coverage when driving any vehicle you do not own, including employer-owned vehicles. Without it, your license remains suspended even if you never drive personally owned vehicles.
Can I switch insurance carriers during my SR-22 filing period in Arizona?
Yes, but there can be no gap in coverage. The new carrier must file SR-22 with Arizona MVD before your old policy cancels, or MVD will re-suspend your license for lapse. Most carriers require 10-15 days advance notice to process SR-22 filing, so plan the switch carefully. If there is even a single day without active SR-22 on file, your license is suspended and the filing clock resets.
Coverage Types
Post-Reinstatement SR-22 Insurance
Continuous electronic filing from your carrier to Arizona MVD proving you maintain minimum liability coverage. Required for 1-3 years depending on the original suspension cause.
Non-Owner SR-22 Policies
Liability-only coverage with SR-22 filing for drivers who do not own a vehicle but need to maintain reinstatement. Covers you when driving borrowed, rented, or employer-owned vehicles.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk drivers, including those with recent suspensions, DUIs, or multiple violations. These carriers file SR-22 and accept payment plans.
Full Coverage After Reinstatement
Liability plus collision and comprehensive coverage. Required if you finance or lease a vehicle. Non-standard carriers impose higher deductibles and stricter underwriting for recently reinstated drivers.
High-Risk Auto Insurance
Umbrella category covering all drivers with elevated risk profiles: DUIs, suspensions, multiple at-fault accidents, or lapses in coverage. Often overlaps with non-standard auto.