{"id":6901,"date":"2023-05-08T18:32:33","date_gmt":"2023-05-09T01:32:33","guid":{"rendered":"http:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/?p=6901"},"modified":"2023-05-08T18:37:25","modified_gmt":"2023-05-09T01:37:25","slug":"what-is-sr-22-insurance-and-what-will-it-cost-me-in-arizona","status":"publish","type":"post","link":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/2023\/05\/08\/what-is-sr-22-insurance-and-what-will-it-cost-me-in-arizona\/","title":{"rendered":"What is SR-22 insurance and what will it cost me in Arizona?"},"content":{"rendered":"\t\t
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An SR-22 is a certificate of financial responsibility required by Arizona that proves you have the required car insurance. It\u2019s usually required after a major violation or license suspension.<\/p>

An SR-22 is proof of financial responsibility that is required by the court and is a form filed by your insurance company. An SR-22 form is usually needed after your driver’s license has been suspended or revoked or after a major violation. It proves that you have Arizona-mandated liability insurance.<\/p>

When you need an SR-22, your car insurance rates will increase by an average of 57% a year in Arizona. The reason for the increase isn’t that you need an SR-22; rather, it’s due to the violation that resulted in the SR-22 requirement.<\/p>

For example, if you\u2019ve been convicted of a DUI and need an SR-22 certificate to reinstate your license, your rates will go up. But they’ll go up because you have a DUI on your record, not because you need an SR-22. The SR-22 filing is one of the requirements for getting your license back; the insurance rate increases are due to the DUI.<\/p>

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What is SR-22 insurance?<\/h2>

An SR-22 is a certificate of financial responsibility mandated by Arizona to prove you have the required minimum car insurance. SR-22 insurance is not a specific\u00a0type of car insurance; your policy remains the same in terms of coverage.<\/p>

The term SR-22 insurance is commonly used to describe any policy where the insurance company has to file an SR-22 for the insured driver.\u00a0 The insurance company will file the form with the state and will also report any lapse in your coverage. An SR-22 usually requires that you carry Arizona-mandated minimum liability coverage levels, but you can add any additional coverage you want, including comprehensive and collision.<\/p>

How much does SR-22 insurance cost?<\/h2>

The cost of an SR-22 filing is a one-time filing fee. The standard SR-22 filing fee is $25, but it can be higher. That doesn\u2019t affect your car insurance rates.<\/p>

However, the violation that resulted in an SR-22 requirement will lead to higher rates. In short, it\u2019s your violation of the law and not the SR-22 that will hike up your rates, so the rate increase depends on what that violation was.<\/p>

For example, with a DUI in Arizona, if the average rate is $1,719 the DUI rate would be $2,693 an increase of $974 or 57%, according to the most recent rate analysis by Insurance.com.<\/p>

How much SR-22 insurance costs a month is simply a division of the annual rate into 12 payments. However, you may be required to pay the full amount up front when your car insurance policy includes an SR-22<\/p>

What is non-owner car insurance with an SR-22?<\/h2>

If you don\u2019t own a car but are required to carry an SR-22,\u00a0non-owner car insurance<\/a>\u00a0is an option to fulfill your SR-22 filing requirements.<\/p>

A non-owner policy insures you as the driver when you are behind the wheel of a car owned by someone else. Since you can\u2019t get a regular car insurance policy if you don\u2019t own a car, a non-owner policy allows you to get the required coverage and get your SR-22 filed with the state.<\/p>

What happens to an SR-22 if you move to another state?<\/h2>

Not every state uses an SR-22 certificate of financial responsibility. These are the states that don’t use the SR-22:<\/p>