Arizona SR-22
SR-22 help: your policy, filing, and deadline.
Bring the notice, the deadline, and your vehicle details. An AALL agent can help review policy and filing options for your situation.
English & Spanish · Phone & in-person help
Questions for your agent
Get clear answers before you choose.
- Who required the SR-22, and what is the deadline?
- Which policy options fit my vehicle ownership situation?
- Who files the SR-22, and what filing fees apply?
- What steps remain with MVD, the court, the insurer, or me?
Before you say yes
Confirm these five things in one place.
- 1Drivers and vehicleNames, driver details, vehicle, and VIN are correct.
- 2What is due todayThe starting amount and what repeats are shown separately.
- 3Every applicable feeAgency, carrier, policy, and filing fees identify who charges them.
- 4Exact effective dateKnow when coverage starts; a quote is not active coverage.
- 5Who handles whatAALL, carrier, customer, MVD, court, or lender steps are separated.
Final eligibility, price, limits, terms, and effective date depend on underwriting and policy issuance.
AALL Insurance
Local help when you have questions.
Talk through available insurance options in English or Spanish. You can reach AALL by phone or visit an Arizona office.
Arizona minimum
per person
per accident
damage
Know what you’re choosing
Liability generally covers harm you cause to others, not your own car.
Arizona generally requires 25/50/15 liability limits for vehicles driven on public roads. Meeting the minimum is one consideration; understanding the gap is another.
- What liability is forCovered injuries and property damage you cause to other people, up to policy limits.
- What liability alone generally does not payYour own injuries or damage to your own vehicle; policy terms apply.
- What an agent can help reviewWhether minimum liability fits your vehicle, finances, lender requirements, and risk tolerance.
When liability-only may fit
Tends to fit: an older, paid-off vehicle whose owner is prepared to handle repairs or replacement without an insurance payout.
Usually doesn’t fit: a financed or leased vehicle; lenders typically require physical-damage coverage beyond liability.
Separate note: if you use your vehicle for rideshare or deliveries, ask an agent to check that use and the coverage you need before driving.
These are general patterns, not advice about your policy. Ask an agent to review your situation.
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ZIP matching suggests an area, not the closest office. See all offices and current hours.
Separate the moving parts
Plain SR-22 answers
Is an SR-22 a separate insurance policy?
No. It is proof filed by the insurer with Arizona MVD for a person who must show future financial responsibility. A qualifying policy and the filing work together.
Does buying insurance restore my license automatically?
No. Insurance and the filing may be only part of the requirement. MVD, court, fee, or other reinstatement steps may remain.
Can AALL promise the filing date?
No. Timing depends on the carrier, policy issuance, MVD processing, and the requirement shown on the notice.
Turn the notice into a list of next steps.
Start with three basics, then separate the policy, filing, deadline, and remaining work.