SR22 Insurance Explained

What is an SR-22 and what can you do to avoid ever getting one?

An SR-22 is simply a form you may be required to file with the Department of Motor Vehicles that confirms you are insured with a minimum level of liability insurance.

It is a form that is usually sent in electronically by your insurance company when you notify the company you are now required to provide one.

There is usually a small fee charged by the insurance company, usually around $25-$50 for an SR-22.

From the Arizona Department of Motor Vehicle website “Failure to maintain proper insurance could lead to the suspension of your vehicle registration, driver license or both.

To reinstate these privileges, fees and future proof of financial responsibility must be filed with MVD.

The future proof requirement is most commonly an SR22 from an insurance company licensed to conduct business in the state of Arizona.


You must maintain an SR22 for three years from the date of suspension, unless it is a judgment suspension.

Because judgment suspension requirements can vary from case to case, contact us to review your record and determine the length of time you need to maintain the SR22 for a judgment suspension

A judgment is generally a court order issued when someone has had an accident and was not insured.

The judgment suspension is placed on the driving record in accordance with the court order.


What are some of the reasons that may cause you to be required to provide an SR-22?

  1. Failure to provide proof of insurance during a traffic stop or accident
  2. At Fault accident with NO insurance
  3. Repeated Traffic Offenses
  4. Suspended or Revoked License
  5. DUI or DWI
  6. You cancel your insurance but do not de-register your vehicle


How will an SR-22 affect my insurance rates?

The SR-22 itself only affects your rates in that you have to pay a fee to the insurance company to file the form for you.

What really affects your rates is the reason you were required to file the SR-22. 

Having a DUI or other major violation will obviously significantly raise your rates.

Each company has different rates for drivers with violations so it is best to have your agent shop the policy for you to determine if you still have the best policy for your current situation.


Never cancel your insurance policy or let it lapse. 

If your car is out of commission and you don’t want to insure it while you are getting it fixed, make sure you de-register it with the DMV first.

Otherwise you will be considered to not have prior insurance when you go to shop your policy again.

This will also significantly raise your rates and many companies you will no longer qualify with.

If you don’t want to de-register your vehicle then at least keep state minimum coverage to avoid having to provide an SR-22 and having your rates raised.

I am here to make sure you get the right policy to protect you and make sure your insurance experience is a happy one.

Sondra Wendt – 623-297-1475

Independent Agent
EZ Insurance Solutions

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