All About SR-22's

In Arizona, an SR-22 is obtained by purchasing a policy that contains at least the state minimum limits for liability.  A policy with an SR22 is exactly the same as one without, the difference is that once an Insurance Company has issued an SR-22, it is required to immediately notify the Motor Vehicle Department (MVD) whenever that policy cancels or that vehicle has been removed.  This is a way for the MVD to "keep tabs" on whether or not someone has insurance.  The MVD usually requires you to prove you have insurance with an SR-22 for a period of 3 years.  After that, you don't have to prove it but you still are required by law to have it.

Causes.  The two most common reasons the MVD will require an SR-22 are: you or your vehicle have tickets for no insurance or you had a major violation such as DWI, reckless driving or you are reinstating a suspended license.

Penalties.  When a vehicle has too many no insurance tickets, the SR-22 is for your registration and your registration will be suspended if you don't get and keep an SR-22. 
If you have major violations, the SR-22 is for your license and your license will be suspended if you don't get and keep an SR-22. 
It is important to know about this ahead of time since a lapse in coverage may result in a suspension from MVD and heavy fees to reinstate.

Non Owners SR-22.  The state may require you to get an SR-22 to get your license reinstated.  If you don't own a vehicle, you will have to purchase a non-owners policy.  This type of policy will cover you on any vehicle that you drive but you do not own.  This type of policy can be about 20% higher or 20% lower than a regular policy, depending on the company.

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