Arizona SR22 Insurance Information
Navigating SR-22 Insurance in Arizona
In Arizona, if you’ve had certain traffic violations, you may be required to obtain SR-22 insurance. Understanding what SR-22 is, who needs it, and how to get it can help you navigate this requirement smoothly. Here’s a comprehensive guide to SR-22 insurance in Arizona.
What is SR-22 Insurance?
Firstly, it’s important to clarify that SR-22 isn’t actually insurance. Instead, it’s a certificate of financial responsibility that your insurance company files with the Arizona Department of Transportation (ADOT). It verifies that you carry the state-mandated minimum auto insurance coverage.
Who Needs SR-22 in Arizona?
You might be required to file an SR-22 in Arizona if you’ve experienced the following:
Driving under the influence (DUI) or driving while intoxicated (DWI)
Driving without insurance
Committing serious moving violations, such as reckless driving
Accumulating too many points on your driving record
How to Obtain SR-22 Insurance in Arizona
Contact Your Insurance Provider: Check if your current insurance company offers SR-22 filing services. If they do, they can file the certificate on your behalf.
Purchase a Policy: If you don’t have insurance or your insurer doesn’t provide SR-22 filing, you’ll need to find a company that does. Expect higher premiums, as drivers requiring SR-22 are often considered high-risk.
File the SR-22 Form: Your insurance provider will file the SR-22 form with the ADOT. There is typically a filing fee, and the process usually takes a few days.
Maintain Continuous Coverage: After filing, you must keep continuous insurance coverage for a specified period, usually three years. Any lapse in coverage can lead to the suspension of your driving privileges, as your insurer is required to notify the ADOT.
Cost of SR-22 Insurance in Arizona
The cost of SR-22 insurance in Arizona varies based on factors such as your driving history and age. While the premiums are generally higher than standard policies, shopping around can help you find the best rates.
Conclusion
If you need SR-22 insurance in Arizona, it’s essential to maintain a clean driving record and keep your insurance coverage up to date. While it may result in higher premiums initially, careful driving and continuous coverage can help you move past this requirement and potentially lower your insurance costs in the future.
How fast can we file your paperwork?
We can bind your policy and file your paperwork immediately. While the documents may not show up in the State’s computer system for up to 72 hours, we provide you with an SR22 certificate instantly via email. We can even fax your paperwork directly to the appropriate DMV.