Arizona Points Suspension Insurance & Reinstatement
Arizona requires 25/50/15 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance QuoteArizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$10
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arizona
Arizona operates under a traditional tort liability system and requires proof of financial responsibility at all times. The Arizona Department of Transportation Motor Vehicle Division tracks violation points and suspends licenses when drivers accumulate 8 or more points within 12 months. You must maintain continuous liability coverage during suspension and through reinstatement to avoid additional penalties.
Liability Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
SR-22 Insurance (if violation triggered it)
What Drivers Pay in Arizona
$225–$414/mo
Typical monthly rate in Arizona, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Traffic survival school completion removes 2 points from your record but can only be used once every 24 months in Arizona, and the course must be completed before the MVD processes your suspension.
- Non-standard carriers in Arizona require 6-12 months of continuous coverage with no lapses before they'll consider moving you to a standard-rate policy.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf your license is suspended
Restricted Driver Permit (DUI: Special Ignition Interlock Restricted License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How many points suspend your license in Arizona?
Arizona suspends your license when you accumulate 8 or more points within 12 months. Most speeding tickets add 2 points, aggressive driving adds 3 points, and reckless driving adds 8 points immediately. Points expire 12 months from the violation date, not the conviction date, so a ticket from May 2025 drops off your point total in May 2026 even if you paid the fine in June 2025.
How long does a points suspension last in Arizona?
Arizona's points suspension lasts until your point total drops below 8 within the 12-month window. Points expire 12 months from the violation date. If you had three tickets that pushed you to 8 points, and the oldest ticket is 10 months old when you're suspended, you'll regain eligibility in 2 months when that ticket ages out. There is no fixed suspension length for points cause, unlike DUI suspensions which have mandatory minimums.
Do I need SR-22 after a points suspension in Arizona?
Not for the points suspension itself. Arizona does not require SR-22 based solely on crossing the 8-point threshold. However, if one of the violations that contributed to your point total was reckless driving, racing, excessive speed over 20 mph, or DUI, that specific violation triggers its own SR-22 requirement for 3 years. Check your most recent citation: if it lists a separate SR-22 filing order, you need SR-22 regardless of the points suspension.
Coverage Types
High-Risk Auto Insurance
Coverage designed for drivers with multiple moving violations, suspended licenses, or point totals above standard carrier thresholds. Policies cost significantly more but provide the liability coverage Arizona requires for reinstatement.
Non-Standard Auto Insurance
Carriers that specialize in insuring drivers standard companies won't accept. Required when you've been non-renewed or denied due to violation history.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Arizona MVD. Required for specific violations like DUI, reckless driving, and excessive speed, but not for points-threshold suspension alone.
Liability Insurance
Arizona's required minimum coverage. Pays for injuries and property damage you cause to others. You must carry this continuously to reinstate your license and avoid additional suspension time.
Multi-Violation Driver Insurance
Specialized policies for drivers with three or more moving violations on record. Accepts cumulative point totals and violation patterns that cause standard carriers to decline coverage.