Sr22 Insurance Arizona: Everything You Need to Know

Getting a DUI or any serious driving violation in Arizona can come with a lot of consequences. One of the most significant consequences is the need for SR22 insurance. If you are in this situation, you probably have a lot of questions about what SR22 insurance is, how it works, and how to get it. In this article, we will cover everything you need to know about SR22 insurance Arizona.

What is SR22 insurance?

SR22 insurance is a certificate of financial responsibility that verifies that you have the minimum amount of liability insurance required in your state. It is often required for drivers who have been convicted of a serious driving violation, such as DUI, reckless driving, or driving without insurance.

In Arizona, SR22 insurance is required for at least three years after a conviction. If you cancel your insurance or let it lapse during that time, your insurance company is required to notify the state, and your license could be suspended.

How does SR22 insurance work?

When you purchase SR22 insurance, your insurance company will file an SR22 form with the Arizona Motor Vehicle Division (MVD) to prove that you are insured. You will also receive a copy of the form. Your insurance company will likely charge you a fee for filing the SR22 form on your behalf.

The cost of your SR22 insurance will depend on several factors, including your driving record, the type of car you drive, and the amount of coverage you need. You may also need to pay a higher premium due to your DUI or other driving violation.

If you cancel your insurance or fail to make your payments, your insurance company is required to notify the MVD. Your license will be suspended, and you will need to provide proof of insurance to have it reinstated.

How to Get SR22 Insurance in Arizona

If you need SR22 insurance in Arizona, you will need to contact an insurance company that offers it. Not all insurance companies offer SR22 insurance, so you may need to shop around to find one that does.

Steps for obtaining SR22 insurance in Arizona

1. Contact an insurance company that offers SR22 insurance.
2. Provide the necessary information, including your name, address, driver’s license number, and the reason you need SR22 insurance.
3. Pay the required fees and purchase the insurance policy.
4. Your insurance company will file the SR22 form with the MVD on your behalf.

How much does SR22 insurance cost in Arizona?

The cost of SR22 insurance in Arizona varies depending on the insurance company and your individual circumstances. On average, you can expect to pay between $500 and $1,500 per year for SR22 insurance.

Some factors that can impact the cost of your SR22 insurance include:

• Your driving record
• The type of car you drive
• The amount of coverage you need
• The reason you need SR22 insurance

FAQs About SR22 Insurance Arizona

How long do I need SR22 insurance in Arizona?

In Arizona, you need SR22 insurance for at least three years after a serious driving violation. If you cancel your insurance or let it lapse during that time, your license could be suspended.

Is SR22 insurance the same as regular car insurance?

No, SR22 insurance is not the same as regular car insurance. SR22 insurance is a certificate of financial responsibility that verifies that you have the minimum amount of liability insurance required in your state. It is often required for drivers who have been convicted of a serious driving violation.

What happens if I cancel my SR22 insurance?

If you cancel your SR22 insurance or let it lapse, your insurance company is required to notify the MVD. Your driver’s license could be suspended until you provide proof of insurance again.

What if I don’t own a car?

If you don’t own a car but need SR22 insurance, you can purchase a non-owner policy. This policy provides liability coverage when you’re driving someone else’s car. It doesn’t provide coverage for a car you own, however.

What if I move to another state?

If you move to another state while you need SR22 insurance, you will need to continue to meet the requirements of your original state until your SR22 period ends. If you no longer need SR22 insurance after your period ends, you can purchase a regular insurance policy in your new state.

Conclusion

If you need SR22 insurance in Arizona, it’s important to understand what it is, how it works, and how to get it. By following the steps outlined in this article, you can obtain the necessary insurance and fulfill the requirements of the state. Remember to stay current on your payments and provide proof of insurance as required to avoid further consequences.