Navigating Non-Owner SR-22 Insurance in Arizona: Your Comprehensive Guide

If you’re a frequent driver in Arizona but don’t own a car, you may find yourself in a situation where you need to obtain non-owner SR-22 insurance. This type of policy is designed for individuals who don’t have regular access to a vehicle but still need to maintain insurance coverage, often due to a legal requirement or violation. In this comprehensive guide, we’ll break down everything you need to know about non-owner SR-22 insurance in Arizona.

Understanding Non-Owner SR-22 Insurance

Non-owner car insurance is a policy that provides liability coverage for drivers who don’t own a vehicle but regularly borrow or rent cars. It fulfills the state’s mandatory minimum insurance requirements, ensuring that you’re legally covered when operating a vehicle that isn’t yours.

The “SR-22” part of the policy refers to a certificate of financial responsibility that your insurance company files with the state on your behalf. This document serves as proof that you carry the required minimum liability coverage.

In Arizona, drivers may be required to obtain an SR-22 for various reasons, including:

  • Driving under the influence (DUI) conviction
  • Repeated traffic violations
  • Driving without insurance
  • License suspension or revocation

Arizona’s Minimum Insurance Requirements

When purchasing non-owner SR-22 insurance in Arizona, you’ll need to meet the state’s minimum liability coverage requirements. These include:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $15,000 in property damage liability

It’s important to note that a non-owner policy will not cover any damage to the vehicle you’re driving or provide any additional coverages like collision or comprehensive. Its sole purpose is to satisfy the liability insurance mandate and maintain your driving privileges.

How to Obtain Non-Owner SR-22 Insurance in Arizona

If you find yourself in need of non-owner SR-22 insurance in Arizona, here are the steps you’ll need to follow:

  1. Shop Around for Quotes: Contact multiple insurance companies and request quotes for a non-owner SR-22 policy. Compare rates and coverage options to find the best deal.

  2. Purchase the Policy: Once you’ve selected an insurer, provide them with the necessary information and documentation, including your driver’s license and details about your SR-22 requirement.

  3. File the SR-22: Your insurance company will file the SR-22 certificate with the Arizona Motor Vehicle Division (MVD) on your behalf. This process typically involves a one-time filing fee of $15-$25.

  4. Maintain Coverage: It’s crucial to keep your non-owner SR-22 insurance active for the duration of your SR-22 requirement, which is typically three years in Arizona. Failure to do so can result in additional penalties and license suspension.

Cost of Non-Owner SR-22 Insurance in Arizona

The cost of non-owner SR-22 insurance in Arizona can vary depending on factors such as your driving record, age, and the insurance company you choose. Generally, you can expect to pay between $200 and $500 per year for a basic non-owner policy, plus the one-time SR-22 filing fee.

It’s important to note that drivers with a history of violations or accidents may face higher premiums, as insurance companies perceive them as higher-risk policyholders.

Tips for Finding Affordable Non-Owner SR-22 Insurance

While non-owner SR-22 insurance can be costly, there are a few strategies you can employ to help keep your premiums manageable:

  • Shop around: Get quotes from multiple insurers and compare rates to find the most affordable option.
  • Maintain a clean driving record: A history of violations or accidents can significantly impact your premiums. Practicing safe driving habits can help keep your rates low.
  • Consider bundling: If you have other insurance policies, such as renters or life insurance, bundling them with your non-owner SR-22 policy may qualify you for discounts.
  • Increase your deductible: Raising your deductible can lower your premiums, but be mindful of your ability to cover the out-of-pocket expenses in the event of a claim.
  • Take advantage of discounts: Many insurers offer discounts for things like good driving records, completing defensive driving courses, or having multiple policies with the same company.

Frequently Asked Questions

How long do I need to maintain non-owner SR-22 insurance in Arizona?

In Arizona, you’re typically required to maintain non-owner SR-22 insurance for three years from the date of your violation or conviction. However, the specific duration may vary based on your individual circumstances.

Can I get non-owner SR-22 insurance if I live with someone who owns a car?

Most insurance companies in Arizona will not issue a non-owner policy if another member of your household owns a vehicle, even if it’s not registered in your name. In such cases, you may need to obtain a standard auto insurance policy and request an SR-22 filing.

What happens if I let my non-owner SR-22 insurance lapse?

If you allow your non-owner SR-22 insurance to lapse or cancel your policy during the required period, your insurance company is obligated to notify the MVD. This can result in the suspension of your driver’s license and additional reinstatement fees.

Can I switch insurance companies while maintaining my SR-22 status?

Yes, you can switch insurance companies while maintaining your SR-22 status. However, it’s essential to ensure that your new insurer files an SR-22 certificate with the MVD before canceling your existing policy to avoid any lapses in coverage.


Non-owner SR-22 insurance in Arizona is a crucial requirement for drivers who don’t own a vehicle but need to maintain liability coverage and legal driving privileges. By understanding the process, costs, and considerations involved, you can navigate this insurance requirement with confidence. Remember to shop around, maintain a clean driving record, and take advantage of available discounts to find the most affordable non-owner SR-22 policy for your needs.

Non-Owner SR-22 Insurance


How much is SR-22 insurance in Arizona?

Average Cost of SR-22 Car Insurance in Arizona The average cost of SR-22 insurance for someone with a DUI in Arizona is $855 for minimum coverage and $1,790 for full coverage. Even minor offenses like receiving a speeding ticket could result in the need for you to present such documentation.

Can I get insurance for a car I don’t own in Arizona?

Non-owners insurance in Arizona is a liability insurance policy for individuals who don’t own a car but occasionally drive. It covers damages or injuries you may cause to others while driving a vehicle you do not own. This type of insurance is ideal for those who rent cars or borrow vehicles occasionally.

How long is SR-22 required in Arizona?

The SR22 is required to be in place for 3 years after the date of reinstatement eligibility.

Do I need an SR-22 to reinstate my license in Arizona?

An SR-22 certificate of insurance is generally required after a license suspension due to an alcohol or drug offense such as Driving Under the Influence. The ADOT may also require an SR-22 if you violate Arizona’s vehicle insurance laws.

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