SR-22 FAQ: What Arizona Drivers Need to Know After a License Suspension
If your Arizona driver’s license has been suspended due to a DUI or another serious traffic violation, you may be required to file an SR-22 certificate before you can legally drive again. This document plays a key role in the reinstatement process and affects your driving privileges and auto insurance.
What is an SR-22 and Why is it Required?
An SR-22 is a certificate of financial responsibility filed by your auto insurance provider with the Arizona Department of Transportation. It verifies that you carry at least the minimum liability coverage required by state law.
Arizona typically requires an SR-22 after a DUI conviction, driving without insurance, accumulating too many points on your license, or being involved in a serious accident without coverage. If your license is suspended, the SR-22 requirement is part of the reinstatement process.
How Can You File and Maintain an SR-22?
To file an SR-22, contact your current insurance provider. If they don’t offer SR-22 filings or cancel your policy due to the violation, you’ll need to find a new insurer licensed in Arizona. Once the SR-22 is added to your policy, your insurer will submit it directly to the state.
If you don’t own a vehicle, you may be eligible for a non-owner SR-22 policy. This option is typically less expensive and still satisfies the state’s requirement for financial responsibility.
If your policy lapses, your insurer must notify the state, which will result in another license suspension. You’ll then need to restart the SR-22 filing period and pay additional fees.
How Much Does It Cost?
The SR-22 filing fee is relatively low, usually between $15 and $25. However, the impact on your insurance premiums can be significant. Drivers with SR-22 requirements often pay considerably more than those with clean records.
When Can You Remove the SR-22?
After maintaining the SR-22 for the required period (typically three years), you can contact the state to confirm whether the requirement has been lifted. If so, notify your insurer to remove the SR-22 from your policy.
Contact Us
If you’ve recently faced a license suspension and need help understanding your SR-22 obligations, contact Above All Insurance today to discuss your options and next steps.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.