Cheap SR-22 Insurance in Arizona
Prices reviewed 2026-11-13
Bottom line: Arizona SR-22 rates are mid-range nationally, but Phoenix-area ZIP codes run noticeably higher than the rest of the state.
Price levelAverage cost
Minimum limits25/50/15
SR-22 lengthAbout 3 years
Filed withArizona MVD (ADOT)
What SR-22 insurance costs in Arizona
Arizona's 25/50/15 minimums keep liability-only SR-22 policies affordable. Metro Phoenix, especially central ZIP codes, prices well above Tucson, Flagstaff and rural areas. Arizona's strict DUI categories (extreme and super-extreme) push premiums higher than a standard DUI.
How to pay less in Arizona
- Compare quotes, because Phoenix pricing differs widely between carriers.
- Budget for the interlock lease after a DUI. It's a separate cost from insurance.
- Requote after year one, as Arizona carriers often reprice aging violations.
Arizona SR-22 rules that affect price
Filings go to ADOT's Motor Vehicle Division, and you can check your status through AZ MVD Now. Certified interlocks are required after DUI offenses.
Arizona SR-22 price questions
Is SR-22 insurance cheaper in Tucson than Phoenix?
Usually, yes.
Does an extreme DUI cost more?
Yes. Higher BAC categories carry heavier surcharges.
Price levels compare Arizona with other states using published 2025 to 2026 industry rate studies. Confirm rules with the Arizona MVD (ADOT).