1. States
  2. Arizona
  3. Cheap Car Insurance for Drivers Requiring a SR22

Cheap Car Insurance for Drivers Requiring a SR22 in Arizona

Enter your Arizona zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 16, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The words “cheap” and “insurance” really don’t belong together, in particular when you are trying to find the best car insurance rates for drivers requiring a SR22. Let’s teach you a few of the things that significantly impact car insurance premiums, and find some ways to lower the price of the next policy you buy.

We all like different vehicles, and the type of vehicle needing coverage is a large factor when shopping for affordable coverage for drivers requiring a SR22. Vehicles with limited top-end speed, good safety features, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models. The next tables features auto insurance premiums for a handful of the cheapest automobiles to insure in Arizona.

Insurance Rates for Popular Cars in Arizona
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $3,242 $1,621 $270
Ford Focus SE 2-Dr Coupe $3,476 $1,738 $290
Honda Accord LX-S 2-Dr Coupe $3,476 $1,738 $290
Honda Civic EX 4-Dr Sedan $3,180 $1,590 $265
Hyundai Elantra Blue 4-Dr Sedan $3,180 $1,590 $265
Nissan Altima Hybrid 4-Dr Sedan $3,242 $1,621 $270
Toyota Camry SE $3,212 $1,606 $268
Toyota Corolla LE $3,212 $1,606 $268
Get a Custom Quote for Your Car Go

Data variables include single male driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific location which can impact coverage prices considerably.

Insurance Rates for Popular SUVs and Crossovers in Arizona
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Suburban LT 2WD $3,100 $1,550 $258
Chevrolet Traverse LS AWD $2,654 $1,327 $221
Ford Escape XLT 4WD $2,624 $1,312 $219
Ford Explorer XLT AWD $2,928 $1,464 $244
GMC Acadia SL 2WD $2,896 $1,448 $241
Honda CR-V EX-L 4WD $2,624 $1,312 $219
Honda Pilot Touring 4WD $3,100 $1,550 $258
Jeep Grand Cherokee Limited 2WD $3,242 $1,621 $270
Lexus RX 350 2WD $3,680 $1,840 $307
Nissan Pathfinder LE 2WD $3,100 $1,550 $258
Subaru Forester X AWD $2,796 $1,398 $233
Toyota 4Runner SR/5 4WD $2,796 $1,398 $233
Toyota Highlander 2WD $2,928 $1,464 $244
Toyota RAV4 2WD $3,070 $1,535 $256
Get a Custom Quote for Your SUV or Crossover Go

Data rating is based on single male driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific location which can impact price quotes substantially.

Insurance Rates for Popular Pickup Trucks in Arizona
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $3,038 $1,519 $253
Chevrolet Silverado 3500HD LT Crew Cab 4WD $3,924 $1,962 $327
Chevrolet Silverado LS Regular Cab 2WD $3,160 $1,580 $263
Dodge Ram 3500 Crew Cab ST 2WD $3,304 $1,652 $275
Dodge Ram Quad Cab Laramie 4WD $3,680 $1,840 $307
Ford F-150 XLT Crew Cab 2WD $2,928 $1,464 $244
Ford F-350 XL Super Cab 2WD $3,132 $1,566 $261
GMC Sierra 3500HD SLE Crew Cab 2WD $3,274 $1,637 $273
GMC Sierra SLT Extended Cab 2WD $3,242 $1,621 $270
Toyota Tundra Regular Cab 2WD $3,160 $1,580 $263
Get a Custom Quote for Your Truck Go

Data rating is based on single male driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location which can decrease or increase coverage rates significantly.

One of the key components that establish insurance cost is the neighborhood you call home in Arizona. More densely populated places like Phoenix, San Tan Valley, and Mesa will most likely have higher rates, whereas more rural areas benefit from having to pay less for coverage.

The next table rates the most costly cities in Arizona for drivers requiring a SR22 to purchase car insurance in.

How much does auto insurance cost in Arizona?
Rank City Annual Premium
1 Phoenix $1,268
2 Avondale $1,222
3 San Tan Valley $1,185
4 Glendale $1,178
5 Mesa $1,159
6 Buckeye $1,156
7 Gilbert $1,142
8 Peoria $1,137
9 Tempe $1,118
10 Maricopa $1,118
11 Scottsdale $1,117
12 Tucson $1,105
13 Chandler $1,093
14 Goodyear $1,087
15 Surprise $1,080
16 Casa Grande $1,079
17 Oro Valley $1,062
18 Casas Adobes $1,050
19 Catalina Foothills $1,040
20 Flagstaff $960
21 Yuma $954
22 Prescott $952
23 Bullhead City $905
24 Sierra Vista $899
25 Lake Havasu City $844
Get a Custom Quote Go

Information shown are approximated as the vehicle garaging location can modify prices considerably.

Cost of full coverage in Arizona

Finding cheap car insurance for drivers requiring a SR22 in Arizona should be important to most people, and one of the fastest ways to lower the cost of insurance is to buy liability only. The example below illustrates the difference between annual premium costs with and without physical damage coverage. The premiums are based on no violations or claims, $100 deductibles, single status, and no discounts are applied.

If averaged out across all ages, full coverage on your policy costs $1,722 per year over liability only. At some point, every insured wonders if buying full coverage is a waste of money. There is no specific rule to delete physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after you pay the deductible. If it’s costing you more than $700 a year for your policy with full coverage, then it could be time to drop full coverage.

Get discounts on Arizona auto insurance

Insurance for high risk drivers in ArizonaInsurers that offer cheap car insurance for drivers requiring a SR22 in Arizona may also give you policy discounts that could reduce prices by 35% or more if you meet specific criteria. The best insurance companies and their possible discounts are:

  • Esurance policyholders can earn discounts including paid-in-full, renters, homeowner, multi-policy, online quote, anti-theft, and online shopper.
  • The Hartford offers premium reductions for good student, air bag, bundle, vehicle fuel type, defensive driver, anti-theft, and driver training.
  • AAA offers discounts including good student, anti-theft, pay-in-full, education and occupation, AAA membership discount, and multi-policy.
  • GEICO may offer discounts for military active duty, federal employee, air bags, good student, emergency military deployment, and daytime running lights.
  • State Farm includes discounts for student away at school, anti-theft, good driver, Drive Safe & Save, accident-free, passive restraint, and defensive driving training.

The illustration below shows the comparison of insurance prices with and without discounts applied to the policy premium. The information is based on a male driver, one speeding ticket and two accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, continuous coverage, homeowner, marriage, paid-in-full, and anti-theft discounts applied. When these discounts are applied to the policy premium, the average amount saved on insurance for drivers requiring a SR22 is 29% or $1,445.

Insurance rate increases from tickets or accidents

The obvious way to maintain low insurance prices for high risk drivers is to be a safe driver and avoid getting tickets or having accidents. The chart below highlights how speeding tickets and accidents impact insurance costs for different age groups of insureds. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of a car insurance policy in Arizona per year with no violations or accidents is $1,092. Factor in two speeding tickets and the average cost jumps to $1,544, an increase of $452 each year. Then add in one accident along with the two speeding tickets and the yearly cost of insurance for drivers requiring a SR22 increases to an average of $1,998. That’s an increase of $906, or $75 per month, just for not being a responsible driver!

How to find cheap car insurance for drivers requiring a SR22 in Arizona

The list below summarizes many thrifty ideas that can help Arizona drivers find cheaper coverage.

  • Raise deductibles
  • Do not pay for full coverage if not needed
  • Good credit can help you save money
  • Maintain a clean driving record
  • Buy vehicles with good safety ratings
  • Avoid preventable accidents
  • Look for cheaper rates once a year by shopping around

That last piece of advice is especially important, as was stressed in this piece. Auto insurance rates can be adjusted at any time, so don’t hesitate to buy a policy from a new company if you find a cheaper price. Loyalty to a specific company is fine, but it’s not a good idea if your bullheadedness ends up costing you a fortune every year. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for drivers requiring a SR22.

Who has the cheapest insurance quotes for high risk drivers?

Consumers have many ways to find cheaper insurance in Arizona, but the most common methods are using an independent insurance agent, an exclusive agency such as Liberty Mutual or State Farm, or direct online or over the phone from a company like Geico or Progressive. All three ways can provide insurance quotes, but each is different in how they provide rate quotes.

Independent agents write for multiple companies and can provide price quotes from all of them. These types of agencies are usually affiliated with several companies and can provide you with more rate quotes, which may provide you with the best chance of finding a lower price. If a cheaper price is found, they can switch companies in-house and you stay with the same agent.

A captive, or exclusive, agent is contracted to a single company such as Liberty Mutual and Allstate agents. Exclusive agents are unable to shop your coverage around, which does not give you the best rate comparison.

Buying direct means you forego an agent and instead buy direct online or over the phone from a company like Geico or Progressive. Buying insurance direct can be good for drivers who do not need high amounts of coverage and know more than average about what specific coverages and deductibles they need.

Which way works best for finding cheap car insurance for drivers requiring a SR22 in Arizona? We’d like to say buying direct saves the most money because there is no agent taking a commission, but in reality, that argument does not hold true. A valid argument could also be made that using an independent agent can save the most money due to more options, but again, it’s not necessarily true. In a lot of cases, exclusive agents have extremely competitive rates that are impossible to beat.

Since insurance rates vary so much, the only true way to make sure you’re not overpaying for insurance is to get rate quotes and compare. We highly recommend getting prices from all three in order to have enough rates to compare. For a list of companies with cheap rates in Arizona, click here to view.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles