Arizona Suspended License Reinstatement & SR-22 Guide
Arizona requires 25/50/15 liability coverage and is an at-fault state.
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Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$10
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Arizona operates as a traditional tort state where at-fault drivers are liable for damages. The state requires all drivers to carry liability insurance and mandates electronic proof-of-insurance verification through the Arizona Automobile Insurance Plan (AAIP) database, which insurers report to directly. Arizona law allows officers to verify coverage electronically during traffic stops and at collision scenes, and the Motor Vehicle Division (MVD) conducts random compliance checks that can trigger automatic suspensions for uninsured drivers.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
Cost Overview
$225–$414/mo
Typical monthly rate in Arizona, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf your license is suspended
Restricted Driver Permit (DUI: Special Ignition Interlock Restricted License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Can I get a hardship license in Arizona while my license is suspended?
Arizona does not offer formal hardship or restricted licenses for most suspension types. However, drivers with DUI suspensions may be eligible for ignition interlock restricted licenses after serving a minimum suspension period (30 days for first offense, 90 days for second offense) by installing an approved IID device and maintaining SR-22 insurance. This allows driving to work, school, medical appointments, and court-ordered obligations. Contact Arizona MVD at 602-255-0072 to determine eligibility based on your specific suspension.
How long does SR-22 filing last in Arizona?
Arizona requires 3 years of continuous SR-22 filing for DUI convictions and most major violations. The 3-year period begins when you reinstate your license, not when it was suspended — meaning delays in reinstatement extend your total SR-22 obligation. If your insurance lapses or cancels during the 3-year period, your insurer notifies MVD within 15 days and your license is automatically re-suspended with no grace period, restarting the entire SR-22 requirement.
Coverage Types
SR-22 Insurance
Continuous electronic filing proving you maintain minimum liability coverage, required by Arizona MVD for 3 years following DUI or major violations. Your insurer submits SR-22 status directly into the state AAIP database; any lapse triggers automatic re-suspension within 15 days.
Non-Owner SR-22 Insurance
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to satisfy Arizona MVD reinstatement requirements. Covers you when driving borrowed or rental vehicles and maintains continuous SR-22 status during suspension periods.
Liability Insurance
Covers injuries and property damage you cause to others. Arizona's 25/50/15 minimum is frequently insufficient given the state's average collision claim of $22,000–$28,000 and the prevalence of expensive vehicles on Phoenix-area roads.
Uninsured Motorist Coverage
Protects you and your passengers when hit by a driver with no insurance or insufficient coverage. Arizona insurers must offer this at limits matching your liability coverage; you must reject it in writing if you decline.
Non-Standard Auto Insurance
Specialized coverage for high-risk drivers including those with DUI convictions, suspended licenses, multiple violations, or lapses in coverage. Non-standard insurers focus on drivers standard carriers decline and can often provide SR-22 filing.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, weather, fire, and animal strikes. Pays to repair or replace your vehicle minus your deductible regardless of fault.