Cheapest SR-22 Insurance in Arizona for 2024 (Top 10 Low-Cost Companies)
Geico, State Farm, and Progressive are the top providers for the cheapest SR-22 insurance in Arizona, starting at $64/month. Geico keeps it simple with low rates and quick filings, State Farm offers solid coverage options, and Progressive gives flexible payment plans. They’ve got you covered for SR-22 needs.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Dec 1, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Min. Coverage for SR-22 in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,759 reviewsCompany Facts
Min. Coverage for SR-22 in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
13,128 reviewsCompany Facts
Min. Coverage for SR-22 in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsThe cheapest SR-22 insurance in Arizona comes from Geico, State Farm, and Progressive, with Geico starting at just $64 a month.
Geico excels with low rates and fast SR-22 filing, State Farm offers broad coverage options and a strong network, and Progressive provides flexible payment plans and quick online services.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Arizona
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $64 | A++ | Affordable Rates | Geico |
 | #2 | $65 | B | Broad Coverage | State Farm |
 | #3 | $67 | A+ | Online Tools | Progressive |
 | #4 | $68 | A | Customer Loyalty | American Family |
 | #5 | $70 | A+ | Pay-Per-Mile Savings | Nationwide |
 | #6 | $72 | A+ | Insurance Discounts | Allstate |
 | #7 | $73 | A++ | Financial Strength | Travelers |
 | #8 | $76 | A | Multiple Policies | Farmers |
 | #9 | $79 | A | Customizable Options | Liberty Mutual |
 | #10 | $80 | A+ | Senior Benefits | The Hartford |
This guide shows how these top picks make SR-22 auto insurance coverage simple, affordable, and suited to your needs so you can count on reliable protection even if you’re a high-risk driver.
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- Geico offers the best SR-22 insurance in AZ starting at $64/month
- Nationwide is the cheapest for low-mileage drivers
- You might need SR-22 in Arizona if you have multiple accidents or DUIs
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#1 – Geico: Top Overall Pick
Pros
- Affordable Prices: Geico SR-22 insurance in Arizona starts at just $64/month.
- Quick Processing: Geico can file SR-22 insurance for you with Arizona DMV.
- Reliable Coverage: With an A++ rating, Geico offers dependable SR-22 insurance you can trust. Get full ratings in our Geico auto insurance review.
Cons
- Limited In-Person Support: If you like face-to-face help, Geico’s focus on online services for SR-22 insurance might not be ideal.
- Fewer Customization Options: Geico SR-22 policies in Arizona don’t have as many personalized features compared to others.
#2 – State Farm: Cheapest Broad Coverage
Pros
- Wide-Ranging Coverage: State Farm provides diverse SR-22 insurance options in Arizona. Learn more in our State Farm review.
- Affordable Pricing: At $65 per month, it provides good coverage for SR-22 insurance in Arizona at a reasonable price.
- Network of Local Agents: State Farm agents are readily available to help you navigate the SR-22 process in Arizona.
Cons
- Solid Financial Standing: The B rating shows they are dependable for SR-22 insurance in Arizona, though not the best available.
- Not As Cheap: Geico SR-22 insurance is cheaper than State Farm.
#3 – Progressive: Best Online Tools
Pros
- Easy Online Tools: Their platform makes managing your SR-22 policy super simple. Compare prices and more in our Progressive auto insurance company review.
- Flexible Payment Plans: Progressive offers payment options for SR-22 insurance in Arizona that can fit different budgets.
- Lots of Discounts: Progressive gives you plenty of ways to save on SR-22 insurance in Arizona.
Cons
- Higher Starting Rates: At $67/month, Progressive isn’t the cheapest option for SR-22 insurance in Arizona.
- Inconsistent Support: Customer service experiences for SR-22 insurance in Arizona can differ.
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#4 – American Family: Best for Customer Loyalty
Pros
- Reward Program: Arizona SR-22 insurance discounts are available to long-term customers and their family members.
- Secure Protection: You can trust American Family SR-22 plans because of its A rating. Read our American Family review to find out more.
- Personalized Support: AmFam representatives are available to provide direct assistance with understanding and meeting SR-22 regulations.
Cons
- Higher Base Premiums: American Family’s prices for SR-22 insurance in Arizona are a bit more than average, beginning from $68/month.
- Limited Digital Features: Its online tools for managing SR-22 insurance in Arizona aren’t as robust as some competitors.
#5 – Nationwide: Cheapest Pay-Per-Mile Insurance
Pros
- Telematics Discounts: Nationwide SmartMiles program can help high-risk drivers lower SR-22 insurance costs in Arizona. Learn how in our Nationwide SmartMiles review.
- Solid Financial Health: With an A+ rating, it’s a reliable choice for SR-22 insurance in Arizona.
- Flexible Coverage: It offers plenty of options for SR-22 insurance in Arizona to fit different needs.
Cons
- Higher Monthly Rates: Starting at $70/month, Nationwide SR-22 insurance in Arizona is on the pricier side.
- Telematics Isn’t for Everyone: SmartMiles only helps low-mileage drivers save money on SR-22 car insurance.
#6 – Allstate: Cheapest With Insurance Discounts
Pros
- Big Bundle Discounts: Drivers who bundle Allstate home and auto insurance can save 25% on SR-22 insurance costs.
- Non-Driving Related Discounts: High-risk drivers who insure multiple vehicles, maintain good grades, or work as teachers or first responders can save between 15%-25% on SR-22 insurance.
- Financial Stability: Allstate has an A+ rating, which makes it a great choice for SR-22 insurance in Arizona. Read more in our Allstate auto insurance review.<
Cons
- Elevated Premiums: Starting at $72/month, Allstate SR-22 insurance prices in Arizona tend to be on the higher side.
- Mixed Customer Service: Despite great claims service, Arizona drivers report varied support with SR-22 insurance questions based on the local agents.
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#7 – Travelers: Best Financial Strength
Pros
- Strong Money Stability: Travelers A++ A.M. Best score shows it has a powerful financial foundation for Arizona SR-22 insurance claims.
- Broad Coverage: In Arizona, Travelers offers a variety of SR-22 insurance choices. Learn more about this in our review of Travelers auto insurance.
- Professional Discounts: Drivers with qualifying careers and professional memberships and affiliations can earn SR-22 insurance discounts in Arizona.
Cons
- Higher Costs: This company’s SR-22 insurance in Arizona starts at $73 a month, which is a bit more than some other choices.
- Fewer Policy Options: In Arizona, it may be harder to change the details of your SR-22 insurance than with other companies.
#8 – Farmers: Cheapest for Multiple Policies
Pros
- Bundle Discounts: Farmers lets you combine multiple policies for a 20% discount on SR-22 insurance costs in Arizona. These are the best Farmers auto insurance discounts.
- Strong Financial Stability: Farmers’ A rating from A.M. Best shows how reliable it is for SR-22 insurance in Arizona.
- Accessible Agents: Farmers’ local representatives are there to help you with SR-22 insurance needs.
Cons
- More Expensive: Farmers SR-22 insurance rates in Arizona are more expensive, starting at $76 a month.
- Mixed Customer Service: Farmers customer service when processing SR-22 filings in Arizona varies by city.
#9 – Liberty Mutual: Cheapest for Customizable Options
Pros
- Flexible Policy Options: Liberty Mutual offers SR-22 insurance in Arizona that can be adjusted to fit what each person wants.
- Good Financial Health: An A rating shows it’s financially dependable for SR-22 insurance filings in Arizona.
- Different Discounts: Liberty Mutual gives many chances to reduce SR-22 insurance costs with various discounts.
Cons
- Higher Starting Costs: At $79/month, Liberty Mutual SR-22 insurance premium in Arizona be more expensive. To see monthly premiums, read our Liberty Mutual review.
- Different Customer Experience: The quality of support for SR-22 insurance in Arizona can vary depending on where you are and who helps you.
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#10 – The Hartford: Cheapest for High-Risk Seniors
Pros
- Discounts for Seniors: The Hartford gives special deals to older drivers who need SR-22 insurance in Arizona.
- Strong Financial Position: The Hartford A+ rating shows strong financial security for SR-22 insurance in Arizona.
- Tailored Senior Support: It delivers customized assistance for seniors handling SR-22 filings. Compare free quotes in The Hartford auto insurance review.
Cons
- High Costs: Beginning at $80 per month, its SR-22 insurance prices in Arizona are some of the most expensive you can find.
- Basic Digital Tools: The Hartford online management options for SR-22 insurance are relatively limited.
Comparing SR-22 Insurance Rates by Provider
Are you looking for the cheapest SR-22 insurance in Arizona? Monthly rates vary, but Geico offers the best deal on high-risk auto insurance at $64 for minimum coverage and $127 for full coverage auto.
Arizona SR-22 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $72 | $139 |
| $68 | $131 |
| $76 | $145 |
| $64 | $127 |
| $79 | $148 |
| $70 | $134 |
| $67 | $130 |
| $65 | $128 |
| $80 | $149 |
| $73 | $141 |
Seeing the prices, American Family is close to Geico with minimum coverage costing $68/month and full coverage at $131/month. On the more expensive side, The Hartford’s rates for SR-22 insurance in Arizona begin at $80 for minimum coverage and go up to $149 for full coverage auto insurance.
SR-22 insurance in Arizona is required if you need to show proof of financial responsibility, usually after a severe driving issue.
An SR-22 is not an actual insurance policy, but filing it will raise your Arizona auto insurance rates because it alerts companies that you are a high-risk driver. Keep reading to learn what else impacts SR-22 car insurance costs.
Understanding SR-22 Insurance Costs in Arizona
The cost of SR-22 insurance in Arizona can vary depending on a few key factors. Your driving record is most significant— expect higher rates because you’ve had a history of accidents, DUI, or insurance lapses.
The type of coverage you go for matters, too. Minimum coverage is cheaper, but cheap full coverage auto insurance gives you more protection. Geico and State Farm have very low rates.
Lowering the cost of SR-22 insurance in Arizona doesn’t have to be complicated. The best place to start is by comparing quotes from various insurance providers.
Additionally, keep an eye out for sales. After filing an SR-22, you can save money in Arizona by taking a defensive driving course, bundling your vehicle and home insurance, or both.
Insurance Discounts From the Top Providers for SR-22 in Arizona
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver (Drivewise), New Car, Good Student, Anti-Theft, Early Signing, Automatic Payment, Responsible Payer, Paperless |
| Multi-Policy, Loyalty, Good Student, Young Volunteer, Auto Safety Equipment, Low Mileage, Defensive Driving, Early-Bird |
| Multi-Policy, Safe Driver (Signal), Good Student, Distant Student, Multi-Car, Homeowner, Alternative Fuel, Pay-in-Full |
| Multi-Policy, Multi-Vehicle, Good Driver, Defensive Driving Course, Military, Good Student, Federal Employee, Emergency Deployment, Anti-Theft System |
| Multi-Policy, Vehicle Safety Features, Good Student, Hybrid Vehicle, Accident-Free, Paperless, Early Shopper, Alternative Energy, Pay-in-Full |
| Multi-Policy, Accident-Free, Anti-Theft, Good Student, Paperless, Defensive Driving, SmartRide (telematics), Safe Driver |
| Multi-Policy, Safe Driver (Snapshot), Multi-Car, Homeowner, Continuous Insurance, Teen Driver, Good Student, Paperless, Pay-in-Full |
| Multi-Line (bundling), Multiple Auto, Safe Driver (Drive Safe & Save), Good Student, Defensive Driving, Anti-Theft, Accident-Free, Vehicle Safety |
| Multi-Policy, Defensive Driving, Good Student, Vehicle Safety, Hybrid Vehicle, Pay-in-Full, Anti-Theft Device, Bundling Auto and Home |
| Multi-Policy, Safe Driver, Continuous Insurance, Good Student, New Car, Hybrid/Electric Vehicle, Homeownership, Pay-in-Full, Multi-Car |
Maintaining coverage can also reduce the cost of your Arizona SR-22 insurance policy with paid-in-full and continuous coverage discounts from the best companies.
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Breaking Down Claim Costs in Arizona
Auto insurance claims in Arizona vary significantly. Collision claims are the most common at 40%, costing an average of $3,200. Property damage claims are 22% at $4,100; comprehensive 18% at $2,700.
5 Common Car Insurance Claims in Arizona
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 40% | $3,200 |
| Property Damage Liability | 22% | $4,100 |
| Comprehensive | 18% | $2,700 |
| Bodily Injury Liability | 15% | $15,000 |
| Uninsured Motorist | 5% | $12,800 |
On the pricier side, bodily injury liability claims average a hefty $15,000 and make up 15% of claims. Uninsured motorist claims are less common at 5%, but they still pack a punch at $12,800 each.
Arizona’s big cities are where most of the action happens, with Phoenix leading the way. The city racks up 50,000 accidents and 42,000 claims every year. Tucson comes next, with 15,000 accidents and 12,500 claims.
Arizona Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Chandler | 10,000 | 8,500 |
| Gilbert | 7,000 | 5,800 |
| Glendale | 9,500 | 7,900 |
| Mesa | 12,000 | 10,000 |
| Peoria | 4,000 | 3,300 |
| Phoenix | 50,000 | 42,000 |
| Scottsdale | 8,000 | 6,800 |
| Tempe | 6,500 | 5,400 |
| Tucson | 15,000 | 12,500 |
| Yuma | 3,500 | 2,800 |
Mesa and Chandler aren’t far behind, with Mesa reporting 12,000 accidents and Chandler seeing 10,000. More minor spots like Yuma and Peoria have lower numbers, with Yuma seeing 3,500 accidents and 2,800 claims annually.
Maximizing Savings on Arizona Auto Insurance
Arizona auto insurance balances cost and risk. Discounts earn an A-, liability coverage gets a B+ for reasonable rates in high-risk areas, and rate stability scores a B+ despite occasional dust storm spikes.
Arizona Report Card: Car Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Discounts Availability | A- | A broad range of discounts is available, especially for safe driving and multi-policy holders. |
| Liability Coverage Cost | B+ | Liability premiums are affordable, with options for increased coverage in high-risk zones. |
| Rate Stability | B+ | Premiums are relatively stable, though fluctuations occur due to weather events and claims. |
| Average Premium Cost | B | Arizona’s average premiums are slightly above the national average, especially in urban areas. |
| Comprehensive & Collision Rates | B | Collision and comprehensive rates are reasonable, though dust storms and other natural risks affect costs. |
| Affordability | B- | Premiums can be costly in densely populated areas like Phoenix due to traffic and accident rates. |
Affordability gets a B due to higher rates in cities like Phoenix, and collision and comprehensive auto insurance earn a B for fair pricing despite unpredictable weather.
Auto insurance in Arizona balances cost and risk. Discounts earn an A-, and liability coverage gets a B+ for reasonable rates and high-risk protection.
Arizona Report Card: Car Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Vehicle | A | 25% | Progressive, USAA, Farmers |
| Low Mileage | A | 20% | State Farm, Nationwide, Liberty Mutual |
| Safe Driver | A | 20% | State Farm, Geico, Progressive, Allstate |
| Military/Veteran | A | 15% | USAA, Geico |
| Pay-in-Full | A | 10% | Geico, Progressive, State Farm |
| Multi-Policy | A- | 15% | Allstate, Farmers, Liberty Mutual |
| Good Student | B+ | 15% | State Farm, Geico, Nationwide |
| Paperless Billing | B+ | 5% | Farmers, USAA, Nationwide |
| Anti-Theft Device | B | 10% | Liberty Mutual, Allstate, Nationwide |
| Defensive Driving Course | B | 10% | Allstate, Geico, Progressive |
Rate stability scores a B+ for consistent prices, though dust storms can cause spikes. Affordability and coverage options earn a B, with fair pricing despite urban traffic and unpredictable weather.
Top Providers for Affordable SR-22 Coverage
Geico, State Farm, and Progressive have the cheapest SR-22 insurance in Arizona. Geico starts at $64/month for low rates, State Farm at $65/month with terrific coverage options, and Progressive at $67/month offers flexible payment plans.
These best auto insurance companies make it easier to meet your SR-22 requirements without breaking the bank. Shopping around online for SR-22 insurance quotes is the most efficient approach to finding a policy that meets your requirements and stays within your budget in Arizona.
Geico’s streamlined online services make managing SR-22 insurance in Arizona hassle-free.Michelle Robbins Licensed Insurance Agent
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Frequently Asked Questions
What is affordable SR-22 car insurance?
Affordable SR-22 car insurance provides coverage required for high-risk drivers at lower rates, often achieved by comparing quotes from multiple providers.
What is the Arizona SR-22 insurance cost?
Arizona SR-22 insurance premiums range from $64 to $80 monthly, depending on the policyholder’s coverage needs and the insurance provider.
Where can I find cheap non-owner SR-22 insurance in Arizona?
Cheap non-owner SR-22 insurance in Arizona is available through providers like Geico. These companies offer low rates for drivers without vehicles but must file an SR-22.
What is the best SR-22 insurance?
The best SR-22 insurance offers low rates, quick filings, and flexible payment options, with providers like Geico, State Farm, and Progressive leading the way.
How much is SR-22 insurance State Farm?
State Farm SR-22 insurance typically costs $65 per month, depending on the state and the driver’s record.
What is FR-44 insurance in Virginia from Geico?
FR-44 insurance from Geico in Virginia provides coverage with higher liability limits for drivers with severe violations, like DUIs.
What is low-cost auto insurance in Arizona?
Low-cost auto insurance in Arizona starts at around $64 per month, with companies like Geico and Progressive offering affordable rates for high-risk and standard drivers.
Where can I get the lowest car insurance rates in Arizona?
Geico offers Arizona’s lowest car insurance rates, with premiums starting at $64/month for SR22 and other coverage options.
How do I get SR-22 insurance in Phoenix, AZ?
To get cheap SR-22 auto insurance in Phoenix, AZ, contact providers like Geico or Progressive, who can file your SR-22 form with the state and provide coverage starting at $64/month.
How do I find SR-22 insurance in Tucson, AZ?
SR-22 insurance in Tucson, AZ, is available through providers like State Farm and Geico. It offers affordable coverage for high-risk drivers.
Who in Arizona offers the most affordable auto insurance?
With basic coverage prices starting at $64 per month, Geico provides Arizona’s most affordable vehicle insurance.
Does Geico offer FR-44 insurance?
Yes, Geico offers FR-44 auto insurance in states where it is required, including higher liability limits for severe driving offenses.
Do I need an SR-22 to reinstate my license in AZ?
Yes, an SR-22 is often required to reinstate your license in Arizona after certain violations, such as DUIs or uninsured accidents.
How long is SR-22 required in Arizona?
In Arizona, SR-22 insurance is typically required for three years, depending on the severity of the offense.
How much is SR-22 insurance per month in California?
SR-22 insurance costs in California range from $125 to $250 per month, depending on your driving history and coverage level. Comparing providers can help you find the best California auto insurance for your SR-22 needs at competitive rates.
Does Geico offer non-owner insurance?
Yes, Geico provides non-owner insurance, including SR-22 filings, for drivers without a vehicle but needing coverage. This makes it an excellent option for cheap SR-22 auto insurance with reliable benefits.
How to get SR-22 in Arizona?
To get SR-22 insurance in Arizona, contact an insurance provider like Geico or Progressive, who will file the SR-22 form with the state on your behalf.
What is the average cost of SR-22 insurance in Florida?
The range of monthly premiums for Florida SR-22 insurance is $150 to $300, contingent on the policyholder’s driving history and the number of infractions, as well as the provider. Exploring providers can help you secure the best Florida auto insurance for your SR-22 requirements at an affordable rate.
What is the most expensive car insurance in Arizona?
The Hartford offers some of Arizona’s most expensive car insurance, with rates starting at $80/month for SR-22 coverage.
How long do you have to have SR-22 insurance in Arizona?
Arizona typically requires drivers to maintain SR-22 insurance for three years to meet state requirements after severe violations.
What is the difference between SR-22 and FR-44?
SR-22 is required for general violations, while FR-44 is specific to states like Florida and Virginia and requires higher liability limits for more severe offenses like DUIs.
Who is cheaper, Geico or Progressive?
Geico is generally cheaper than Progressive, with SR-22 insurance rates starting at $64/month compared to Progressive’s $67/month.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.