What an SR-22 Actually Is
An SR-22 is not a type of insurance. It's a certificate your insurance company files electronically with MVD proving you carry at least the state minimum liability coverage. MVD uses it to verify that you're insured before they'll reinstate your license after a DUI or certain other violations.
How Long You Need One
Arizona requires SR-22 coverage for three years from the date of reinstatement after most DUI suspensions. The clock restarts if your policy lapses — even for one day — so paying on time matters more than the rate.
What It Really Costs
Expect your premium to double or triple after a DUI. Rates vary wildly by carrier. Progressive, Dairyland, The General, and a handful of regional carriers will write SR-22s quickly; many mainstream carriers won't. Shop at least four quotes.
The Filing Process
- Buy a policy that meets Arizona minimum limits from a carrier that writes SR-22s.
- Request that the carrier file the SR-22 electronically with MVD (usually $15–$25).
- Wait 24–72 hours for MVD to receive it.
- Complete any outstanding reinstatement fees, interlock requirements, and classes.
- Reinstate at MVD or online.
Who Handles the Paperwork
Alternative Education Solutions guides clients through the full reinstatement checklist — SR-22 filing, interlock coordination, and class completion — so you don't miss a step. If there's an open court case, loop in Roth Law first so reinstatement timing doesn't conflict with plea negotiations.