By Mat, owner of MIS Insurance Services
Quick answer: There’s no single number, because each insurance company rates a DUI differently. Many big-name insurance companies won’t renew you after a DUI in Arizona, and the ones that keep you often charge far more. Insurance companies that specialize in high-risk drivers usually price a DUI much better. Through MIS Insurance Services, Arizona SR-22 insurance starts as low as $29 a month. Prices vary with your record, the offense and your ZIP code.
Why can’t anyone tell you how much your rate will go up?
It’s the first question people ask after a DUI, and they want a number. But any number would be a guess, because no one knows how your insurance company will rate you in your ZIP code, for your age and for your violation. In Arizona, the type of DUI matters too: a regular DUI (BAC 0.08 to under 0.15), an Extreme DUI (0.15 to under 0.20) and a Super Extreme DUI (0.20 or higher) are treated differently.
Will my insurance company drop me after a DUI in Arizona?
It might. Many of the big-name insurance companies you’ve heard of don’t insure drivers with a DUI. When your renewal comes, you get a non-renewal notice. Others keep you, but at a price so high that it feels like they want you to look elsewhere.
That’s why drivers with a DUI, accidents or tickets turn to independent agencies that specialize in high-risk insurance. Some insurance companies make high-risk drivers their niche. They aren’t afraid to insure these drivers. These are the customers they’re looking for, so their rates are often much lower than what the big names charge after a DUI.
What does the SR-22 itself cost in Arizona?
The SR-22 is just a form your insurance company files with the MVD. It proves you carry at least Arizona’s minimum liability insurance: $25,000 per person and $50,000 per accident for injuries, and $15,000 for property damage. What you really pay for is the insurance policy behind it. With MIS Insurance Services, Arizona SR-22 insurance starts as low as $29 a month (prices vary). If you don’t own a car, a non-owner SR-22 is usually the lowest-cost way to meet the requirement.
How long do I need an SR-22 after a DUI in Arizona?
3 years from the end date of your suspension, after a court DUI conviction, a test refusal or an alcohol/drug revocation. If your policy cancels during that time, the insurance company tells the MVD, and the MVD may suspend your license again. To fix it you need a new SR-22 and a $10 fee.
What should you do after a DUI in Arizona?
Be proactive. Don’t wait for the non-renewal letter or a big renewal bill.
- Check the deadline on your suspension notice. ADOT gives you 30 days from the date on your notice to request an MVD hearing. Always go by the date on your own notice. Talk to a DUI attorney about your court case.
- Understand your suspension. If you took the test and were 0.08 or higher, the MVD suspension is 90 days: at least 30 days with no driving, then you may qualify for a restricted permit. Refusing the test is a 12-month suspension the first time.
- Line up your SR-22 with an agency that works with high-risk insurance companies, so it’s on file when you need it.
Our free Arizona DUI Help Center walks through every step: the MVD hearing, the interlock, screening, Traffic Survival School, the SR-22 and getting your license back.
Who is MIS Insurance Services?
MIS Insurance Services is a licensed Arizona insurance agency (Arizona License #3002366873) that has specialized in high-risk drivers since 2009. We compare 25+ insurance companies that work with DUI drivers and file your SR-22 electronically, usually the same day you buy. When you call, you talk to a real licensed agent. There’s no AI customer service and no bots. Our agents work together as a team from our call center at our headquarters in Culver City, California. That’s why thousands of customers have written reviews about our fast service (4.9 stars from 3,100+ Google reviews).
A DUI is unfortunate, but it doesn’t mean you have to overpay the big names.
Get a free quote: call (800) 726-0640 or visit our Arizona SR-22 page. Se habla español.
MIS Insurance Services, LLC | Arizona License #3002366873
This article is general information, not legal advice.
Frequently asked questions
How much does SR-22 insurance cost in Arizona after a DUI?
It depends on the insurance company, your record, the type of DUI and your ZIP code. Through MIS Insurance Services, Arizona SR-22 insurance starts as low as $29 a month (prices vary).
How much does car insurance go up after a DUI in Arizona?
No one can give an exact number, because each company rates a DUI differently, and many big-name companies won’t renew you at all. Insurance companies that specialize in high-risk drivers usually price much lower than the big names after a DUI.
Will my insurance company drop me after a DUI in Arizona?
It might. Many big-name insurance companies don’t insure drivers with a DUI and send a non-renewal notice at renewal.
How long do I need an SR-22 in Arizona after a DUI?
3 years from the end date of your suspension, after a court DUI conviction, a test refusal or an alcohol/drug revocation.
How long do I have to request an MVD hearing after a DUI in Arizona?
ADOT gives you 30 days from the date on your suspension notice. Always go by the date on your own notice. If you miss it, the suspension can’t be challenged.
Where can I get the cheapest SR-22 insurance in Arizona?
There’s no single cheapest company, because each one prices your record differently. MIS Insurance Services compares 25+ insurance companies that work with DUI drivers. Arizona SR-22 insurance starts as low as $29 a month (prices vary).
Where can I get a non-owner SR-22 in Arizona the same day?
MIS Insurance Services files Arizona non-owner SR-22s with the MVD electronically, usually the same day you buy, as low as $29 a month (prices vary). Call (800) 726-0640.
What is the best SR-22 insurance in Arizona?
The best company is the one that prices your record lowest, and that changes from driver to driver. An independent agency that compares many high-risk insurance companies can find it for you.
What happens if my SR-22 lapses in Arizona?
The insurance company tells the MVD, and the MVD may suspend your license right away. You’d need a new SR-22 and a $10 fee.