SR-22 Insurance


What is SR-22?

SR-22 is a form or document that is filed as proof that you meet your state’s minimum liability insurance requirements. SR stands for ‘safety responsibility’, and truly, this document, as provided by your insurance company, certifies that you have financial responsibility and liability coverage in case of a road mishap.

Understandably, people mistakenly think that SR-22 insurance is a type of insurance. While it does act like an insurance policy in that it is provided by your insurance company and has something to do with liability coverage, an SR-22 insurance is simply a document or form filed with your state that shows that your auto insurance policy meets the minimum liability coverage required by law. It is a requisite for those whose driver’s licenses have been suspended or revoked for certain reasons, usually for driving-related violations.

Not every motorist needs an SR-22. As mentioned earlier, there are certain circumstances where an SR-22 shall be required. In general, a driver who is considered “high risk” under the law and by insurance companies before he or she is to be required an SR-22. Usually, and in the state of Arizona, drivers are considered “high risk” if they have had their driver’s license suspended for the following reasons:

  • Serious driving violations such as speeding or reckless driving
  • Driving on a suspended, revoked, or expired driver’s license
  • Driving under the influence of drugs or alcohol or both
  • Excessive traffic tickets
  • Presenting false documents
  • Failure to provide a valid proof of insurance

In addition to these driving-related causes, other common circumstances that would lead to an SR-22 insurance requirement are involvement in child support or neglect cases, or if ordered by the court through court orders and other legal judgments.

There are different types of Arizona SR-22 forms, which, of course, applies to different drivers/owners. In particular, the following are the various types of Arizona SR-22 certificates:

    • SR-22 Operators Certificate, which covers the driver for the operation of any non-owned vehicle he or she has been given permission to operate
    • SR-22 Owners Certificate, which covers the driver in driving any vehicle owned by him or her
    • SR-22 Operators-Owners Certificate, which covers any vehicle owned by the driver and any vehicle that are not owned by him or her but is allowed by the owner to be operated by someone else
    • Non-Owners SR-22 Insurance, which covers a driver without a car or vehicle allowed to borrow one from another person

If you need an SR-22 in Arizona, we are here to assist. Whatever type of SR-22 it is that you need based on your needs and circumstances, we are ready to help, as we have previously done so for many drivers and owners in the state. Our SR-22 specialists promise to give you the best rates for maximum savings!

Contact us for the best quotes! Give us a call or send us a message on our website for questions on rates, insurance types and requirements, average cost of insurance coverage, and any other concerns in connection with Arizona SR-22. We will get back to you as immediately as possible.

Give us a call or send us a message on our website. We will get back to you shortly.