What Are SR-22 and other Insurance Requirements in Arizona?

Drivers in the state of Arizona are required to be covered by liability insurance. The insurance must be obtained through an authorized company which has the permission to do business in the state.

When someone is involved in an automobile accident in Arizona, or if they are pulled over by a police officer at the side of the road, they will be asked to show proof of insurance. If the individual is found to be driving without insurance, their vehicle registration and their driver’s license may be suspended. Once the suspension is over, the individual will be required to prove financial responsibility in order to receive reinstatement of their vehicle registration and their driver’s license.

What are the Insurance coverage requirements in Arizona?

Given below are the standards for minimum coverage required by law in the state of Arizona. If policyholders are concerned about coverage, they can obtain higher coverage.

The maximum amount each person would receive for bodily injuries sustained in an automobile accident is $15,000

The maximum amount which can be covered by the policy for all bodily injuries to all persons is $30,000. This means that if several people are injured in the accident, then those who file first would receive payment as stated above. Once the total payment is reached, the remaining parties will have to file a suit in order to receive amounts over this amount.

The total amount paid for property damage is $10,000

When do you need SR-22 Insurance?

“SR” stands for Safety Responsibility law. SR-22 is a document which verifies that someone has automobile insurance. It is prepared by the insurance company and is filed with the DMV (Department of Motor Vehicles). One thing to more about the SR-22 is that it is not an insurance policy, but it is evidence that you have a policy.

If a driver is convicted of a DUI, reckless driving, driving without insurance, or any other driving violation which results in the suspension of their driver’s license, then the driver will be required to have an SR-22 in order to reinstate their driver’s license. If you own a motor vehicle, you will be required to have the SR-22, but if you don’t own a vehicle, the you will be required to have a non-owner SR-22.

In most cases, the driver will be required to have the SR-22 for a number of years. For example, in case of a DUI conviction, the SR-22 is required for 5 years. If the policy holder fails to pay the premiums, their SR-22 is cancelled and an SR-26 is filed with the DMV instead. When DMV receives the SR-22, the policy holder’s driver’s license is suspended until a new SR-22 is filed.

What happens if you’re involved in an accident in another state?

If you are involved in an automobile accident in a state other than Arizona, most policies will increase to match the minimum requirements of the state in which the accident occurred. The 12 states that have a no-fault insurance system require that your insurer pays for your damages.

Determining Insurance Premiums

A number of factors are taken into consideration by insurance companies when determining insurance premiums. Some of the common factors taken into consideration include:

  • A history of the driver’s driving record
  • Any previous violations the driver was involved in such as a DUI, or an accident
  • The credit score of the driver. The bad the credit score, the higher the insurance rates
  • The number of miles driven by the driver
  • The occupation the person is involved in
  • The location where the individual is currently residing
  • Whether the individual is married or single
  • How educated is the individual
  • The age and gender of the driver
  • The type of car driven by the individual, it’s make and model

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Brian Douglas Sloan


Why Attorney Brian Douglas Sloan?
Phoenix DUI Lawyer

Why Attorney Brian Douglas Sloan?


18+ Years SOLELY Focused on DUI Defense


4,100+ DUIs Successfully Defended

Top Accolades

  • Only DUI "Power Lawyer" in the Nation Featured in USA Today, 2022

  • Top 10 in Arizona

Top 1%

Top One Percent in the Nation

Superb 10/10


4.9 / 5.0


“I am one of only a handful of Phoenix DUI Lawyers that focuses solely on DUI Defense representation.”

I have spent my entire career focused on DUI Defense representation, having personally defended more than 4,100+ DUI clients in the past 18+ years.

If you’re looking for a divorce attorney, tax attorney, or civil attorney, then I can comfortably say: "I’m not the one for you".

Coming up with traditional, as well as outside-the-box motions and defenses for my clients, often with good results, is the hallmark of my practice.

Lawyers that say they are "aggressive", or "will fight for you", are a dime a dozen. They use these phrases because that is what they think people want to hear. The truth of the matter is, being "aggressive" rarely gets the client anywhere in these court systems. Being "aggressive" isn’t the same as being good, and is often used to put on a show for a client to hide the fact that they aren’t doing anything meaningful for the client.

The same is true for the lawyers that claim to do DUI Defense... and Criminal Cases..., and Accident cases..., and Divorces. A Jack-of-all-Trades is a master of none. By handling all different sorts of cases, they take away from their ability to truly focus on DUIs, and keep up to date on the latest changes in DUI Defense Representation.

What I offer is intelligent, quality DUI Defense, at an exceptional price.

I am one of only a handful of Arizona DUI Lawyers that focuses solely on DUI Defense representation.

I have not only taught other lawyers how to do DUI Defense Representation at statewide seminars, but I produce DUI Legal Guides used by defense lawyers across Arizona.

I am one of the most award-winning DUI Defense Lawyers in Arizona; have been recognized nationally, including in a 2022 issue of USA Today; and there are only a few lawyers in Arizona who have personally defended more DUI cases than I have. I am also one of the most reasonably-priced DUI Lawyers, as I pride myself on charging a Flat Rate only for the legal services you need, and not for the legal services you don’t.

I am also the lawyer who people call once they realize that their original lawyer screwed something up, gave them false hope or false promises, or simply just took their money and didn’t do much on the case. You would be surprised at how often this happens.

Save yourself the trouble of hiring the wrong lawyer, and hire the right DUI Defense Lawyer from the start.

You can reach me on my personal cell phone: 480-720-7839.

Let me know if you have any questions!

Brian Douglas Sloan

DUI Attorney

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Email address:
2 N. Central Ave Suite 1929
Phoenix, AZ 85004