SR-22 Filings and High-Risk Auto Insurance
An SR-22 is not an insurance policy — it is a certificate your insurer files with the Arizona MVD proving you carry the required liability coverage, usually after a DUI, an at-fault accident without insurance, or too many points.
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An SR-22 is a certificate of financial responsibility. Your insurance company files it with the Arizona Motor Vehicle Division to confirm you carry at least the state-required liability limits. It is commonly required after a DUI, an at-fault accident while uninsured, driving on a suspended licence, or accumulating too many points.
Not every carrier writes SR-22 business, and the ones that do price it very differently from one another. That is exactly the situation where an independent agency matters: Boone Insurance Group shops your filing across multiple carriers rather than sending you to whichever company happens to answer first.
We also write auto coverage for high-risk drivers more generally — drivers with tickets, accidents or a gap in prior coverage. And because a filing requirement is temporary, we review the policy as your record improves so you are not still paying high-risk rates a year after you stopped being one.
How we handle an SR-22
- The SR-22 certificate filed with the Arizona MVD on your behalf
- Coverage shopped across carriers that actually write high-risk business
- Auto policies for drivers with tickets, at-fault accidents or a coverage gap
- Policy reviews as your driving record improves, so the rate follows it down
- Straight answers about what the filing requires and how long it lasts
Answers
SR-22 & High-Risk Auto questions
Common questions about sr-22 & high-risk auto in Arizona.
What is an SR-22 in Arizona?
It is a certificate your insurance company files with the Arizona MVD confirming you carry at least the state-required liability coverage. It is not a policy or a type of insurance — it is proof attached to one.
Why do I need an SR-22?
Arizona commonly requires one after a DUI, an at-fault accident while uninsured, driving on a suspended licence, or accumulating too many points on your record.
How long do I have to carry an SR-22?
The requirement is set by the state based on the underlying violation. We will confirm your specific term and file the certificate for as long as it is required.
Will my rate come down eventually?
As the violation ages and your record improves, better pricing usually becomes available. We review high-risk policies rather than leaving them to renew at the same rate indefinitely.
Companies we represent
Independent access to multiple carriers means we compare — we don’t sell one company’s products.
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What our clients say
Real reviews from Boone Insurance Group clients across Arizona.
I had an exceptional experience working with Melissa Boone at Boone Insurance Group. From the moment I reached out, she was incredibly attentive and professional. Melissa took the time to understand my unique needs and provided tailored recommendations that perfectly suited my situation. Her expertise and genuine care were evidence throughout the process. I highly recommend Melissa Boone to anyone in need of insurance services!
I’m so thankful for Melissa! She took the time to meet with my daughter and talk through auto insurance options. She is knowledgeable, friendly, listens to your situation and really tries to help you get the best rate. I highly recommend Melissa if you are shopping around for auto insurance!
I’ve had the pleasure of working with Melissa and she has also helped many of my clients obtain homeowners and auto insurance. She is extremely knowledgeable and provides a very high-level of service. I highly recommend Boone Insurance Group!
Where we work
Serving Mesa, Gilbert and the rest of Arizona
Based in Mesa, writing throughout the Phoenix metro — and licensed in 45 states for clients who move.