Arizona SR22 Insurance
Why Would I Need an Arizona SR22?
- Driving under the influence of drugs/alcohol (DUI)
- Involved in accident causing injury or death
- Reckless driving
- Refusal of chemical BAC test
- Habitual offender
What if I Let My Arizona SR22 Insurance Lapse or Cancel
If during the required probation period you let the auto insurance policy that has the SR22 attached cancel or lapse your license will be suspended. Jail time and more fees may be a result and most likely you will need to start the probation period over again.
Watch the Video to Learn How to Get Your Arizona License Reinstated Quickly
How long do I need to have an SR22 in Arizona?
You must maintain an SR22 for three years from the date of suspension unless otherwise stated in the judgment. Suspension requirements vary from case to case so be sure to contact the state for your specific judgment.
How Much Will My Car Insurance Increase if I Need an Arizona SR22?
Your car insurance is likely to increase due to the nature of the violation that is causing you to file an SR-22. If you were convicted of a DUI or reckless driving your premiums will increase substantially. If you were involved in an accident and need to file an SR22 your premiums will probably not be as high.
Arizona SR22 Requirements
The state of Arizona requires all SR22 forms to meet a minimum liability insurance level. The minimum limits are:
- $15k Per Person Bodily Injury
- $30k Per Accident Bodily Injury
- $10k Property Damage
While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.
You will need to get your SR-22 from a licensed insurance carrier in Arizona. These insurance companies will provide the state with the required filing information and status updates if the policy is cancelled. Remember you will need to restart the probation period if the policy is cancelled and could face possible jail time.
Suspended License Information and Reinstatement
In order to reinstate your license there may be multiple documents and steps needed to be completed. If it is a court ordered suspension you will need clearance from the court and possibly an SR-22 form showing proof of liability insurance.
In order to reinstate a license due to failure to maintain proper insurance you will need to obtain an SR22 from an insurance carrier. This insurance company must operate in the state of Arizona.
You may be asked to take a written and/or road skills test. Reinstatement fees vary so be sure to ask the state office. If all requirements have been met to reinstate except paying the fees you can reinstate online.
Arizona Suspended License Information and Reinstatement
In order to reinstate your license there may be multiple documents and steps needed to be completed. If it is a court ordered suspension you will need clearance from the court and possibly an SR-22 form showing proof of liability insurance.
In order to reinstate a license due to failure to maintain proper insurance you will need to obtain an SR22 from an insurance carrier. This insurance company must operate in the state of Arizona.
You may be asked to take a written and/or road skills test. Reinstatement fees vary so be sure to ask the state office. If all requirements have been met to reinstate except paying the fees you can reinstate online.
Driving Under the Influence (DUI) in Arizona
The state of Arizona follows presumptions with regards to driving under the influence. Below is a list of presumptions based on the driver’s blood alcohol concentration:
- Not under the influence – BAC level .001% to .05%
- Admissible as evidence in court – BAC level .051% to .099%
- Presumed under the influence – BAC level .10% or higher
- Commercial driver is presumed under the influence – BAC level .04% or higher
Implied Consent Law
If you refuse to submit a chemical test in Arizona the following is true:
- Minimum 30 day suspension of driver’s license for BAC .10% or higher
- Officer must advise driver of suspension period
- License is seized upon refusal of test
Extreme DUI in Arizona
For any driver with a blood alcohol concentration (BAC) .15% or higher within two hours of driving is considered to be an Extreme DUI. Keep in mind that Arizona DUI/DWI laws are written for vehicles including watercraft and aircraft. There are different penalties for this type of conviction:
- 1st Offense - $2,400 Fine, Revocation for 1 Year, IID Required
- 2nd Offense - $1,700 Fine, Revocation from 90 days to 1 Year, IID Required
Fines include applicable surcharges, DUI assessment, and extreme DUI assessment fees. The second conviction must be within 5 years of the first to fall into the group above or it is considered the first offense again.
