Winslow Arizona, Car Insurance Writer
@winslow_arizona
Drivers need SR-22 insurance in Arizona after being convicted of a serious traffic violation, such as driving uninsured, reckless driving, or a hit and run. Car insurance companies in Arizona are required to file an SR-22 certificate with the state to prove that drivers who are classified as “high-risk” maintain at least the minimum levels of car insurance required by Arizona law. Drivers must maintain their SR-22 coverage for 3 years.
Your first speeding ticket won’t necessarily guarantee that you need an SR-22. Arizona only requires an SR-22 for specific traffic offenses, or accidents that cost more than a certain dollar amount.
Drivers in Arizona Need SR-22 Insurance After
- At-fault collision > $2,000 damage
- Speeding 21-25 over limit
- Reckless driving
- Racing
- Hit and run
- DUI / DWI
- Lapse in SR-22 coverage
- Too many traffic violations (12 license points within 12 months)
As you can see, Arizona only requires an SR-22 for serious traffic offenses. Since each of these violations is serious, insurance companies consider drivers who need an SR-22 to be high-risk customers. That means if you are required to buy SR-22 coverage, insurance companies will charge you more in premiums to offset what they see as the added risk of covering you.
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