SR-22 Insurance Arizona

sr22 insurance arizona

SR-22 Insurance Arizona

sr22 insurance arizonaSo many people don’t have a clear idea about the full scope of driving under the influence consequences. Most worry about the immediate effects – sanctions, jail time, losing their license. Committing a DUI in Arizona, however, can have much more long-lasting consequences.

One of the long-term effects is the cost of car insurance and the additional requirements for getting such.

If you commit a DUI in Arizona, you could be ordered to get SR-22 insurance. There are a few other scenarios in which this type of insurance coverage applies – driving without insurance, committing reckless driving, refusing to do a BAC test and having your license revoked.

What Is SR-22 Insurance?

Safety Responsibility (SR) insurance is prepared by an insurance company and filed with the Arizona DMV. This isn’t an insurance policy itself, rather t’s a document that stands as evidence of the fact you have insurance.

A person that’s convicted of driving under the influence or reckless driving will be ordered by court to get SR-22 insurance. This is a prerequisite for the reinstatement of their license. Depending on the violation, the driver will be required to have SR-22 insurance for a certain number of years. For most people who commit a DUI, the SR-22 requirement is valid for a period of three years. You may be capable of applying for a shorter duration but to see if you’re eligible for such a facilitation, you’ll need to consult an experienced Arizona DUI attorney.

If you fail to maintain the SR-22 proof of insurance, your license and vehicle registration will be suspended until you re-establish the insurance.

The Cost of SR-22

After you purchase or renew your insurance policy in the aftermath of an Arizona conviction, your insurance provider will file SR-22 with the DMV. The cost of the filing ranges between 20 and 50 dollars.

The problem with SR-22 requirements, however, is not the filing fee.

In the aftermath of a DUI or reckless driving, vehicle owners will experience a serious increase in their insurance premiums. There’s a simple reason for the hike – the criminal conviction is an indication of a higher risk for the insurance company.

The smartest thing to do in such instances is to compare insurance rates across companies. There could be massive differences. Currently, SR-22 insurance rates in Arizona vary from approximately 800 to over 3,000 dollars per year.

So, to fulfill the court SR-22 requirement, you need to find an Arizona insurance provider that offers coverage and does the DMV proof filing. You will have to pay both the premium and the SR-22 filing fee to meet all of the court insurance requirements.

Once your SR-22 is accepted, you will receive a confirmation from the insurance provider.

A Few Additional Considerations

If you’re not a vehicle owner, getting SR-22 can be difficult.

To obtain the certificate, you will have to show proof of insurance coverage on a vehicle. To address the lack of a vehicle, you can go for a non-owner auto insurance policy. Non-owner car insurance options do exist and they tend to be relatively affordable.

Once the mandated coverage period has ended, you can look for an insurance readjustment. Usually, having the SR-22 requirement dropped will make it much easier for you to access affordable car insurance again.

It’s also a good idea to check with the DMV that the SR-22 mandated requirement has been fulfilled. Administrative errors do they place and such a simple mistake can set you back financially.

Maintaining your SR-22 over the entire mandated period can prevent problems further down the line. Even if you’re not happy with this requirement, you should look for an SR-22 insurance option. Many agencies in Arizona offer such filing, some of them at much better conditions than others.

Click here for DUI tips every Arizona driver can benefit from.