Non Owner Arizona Insurance SR22 Buying Options
Cheap Arizona Non Owner SR22 Insurance
You can get a Arizona non owner SR22 policy if you qualify under these guidelines
​
1. YOU DON'T OWN A CAR
2. YOU DON'T DRIVE CARS REGISTERED TO YOU OR YOUR HOME ADDRESS
3. YOU DON'T DRIVE CARS REGISTERED TO FAMILY MEMBERS
4. YOU DON'T DRIVE CARS YOU HAVE REGULAR ACCESS TO
Cheap Non Owner Car Insurance For Arizona
Purchase a AZ non owner SR-22 car insurance policy and have your AZ SR22 filed with the MVD. This gives you basic liability auto insurance to drive on the road occasionally when needing to borrow a car in Arizona. The AZ SR-22 is attached to your non owner auto insurance policy. The SR-22 filing is also sent to the MVD electronically.
​
Call 855-772-2728 or Apply Online
Trustpilot Reviews
5 Star Service
Arizona Non Owner SR22 Insurance Filing Questions
Updated: May 2026
What is Non‑Owner SR22 Insurance?
Short Answer: Non‑owner SR22 insurance is a liability‑only policy for drivers who don’t own a vehicle but must file an SR22 with the Arizona MVD.
Long Answer: Non‑owner SR22 insurance is a special type of liability policy designed for Arizona drivers who do not own a vehicle but are required to file an SR22 certificate. The SR22 is filed by your insurer with the Arizona Motor Vehicle Division (MVD) to verify you carry at least the state‑required minimum liability coverage. Arizona typically requires the SR22 to remain active for three years, or longer if ordered by the court.
Who Needs Arizona SR22 Insurance?
Short Answer: Drivers who have committed serious violations—such as DUI, driving uninsured, or driving with a suspended license—may need SR22 insurance in Arizona.
Long Answer: Arizona requires SR22 insurance for drivers who have been involved in certain violations or high‑risk incidents. You may need SR22 insurance if you were convicted of DUI, accumulated excessive traffic violations, failed to provide proof of insurance, falsified insurance documents, had unsatisfied judgments, or drove with a suspended license. Filing an SR22 with the Arizona MVD is required to reinstate your driving privileges.
What is Arizona Non‑Owner SR22 Insurance?
Short Answer: It’s SR22 insurance for drivers who don’t own a car but still need to meet Arizona’s liability and SR22 filing requirements.
Long Answer: Arizona non‑owner SR22 insurance is designed for individuals who do not own a vehicle but occasionally drive cars they do not live with or have regular access to. This policy provides the minimum liability coverage required by Arizona law and allows you to file an SR22 certificate with the MVD. It’s ideal for drivers who need to reinstate their license but don’t want or need a full auto policy.
Can I Buy Arizona Non‑Owner SR22 Insurance Online?
Short Answer: Yes — SR22Savings offers fast, affordable online non‑owner SR22 insurance with no broker fees.
Long Answer: You can purchase Arizona non‑owner SR22 insurance online through SR22Savings at competitive rates. Unlike many national insurers, SR22Savings does not charge broker fees in Arizona, helping customers save even more. Once your policy is issued, we electronically file the SR22 certificate with the Arizona MVD on your behalf for a smooth, fast reinstatement process.
Additional Arizona Non-Owner SR22 Insurance FAQs
How Much Does Arizona Non‑Owner SR22 Insurance Cost?
Short Answer: Most Arizona non‑owner SR22 policies cost $25–$45 per month, depending on your driving record.
Long Answer: The cost of Arizona non‑owner SR22 insurance typically ranges from $25 to $45 per month, depending on factors such as recent accidents, tickets, or violations within the last three years. Paying in full for a 6‑ or 12‑month policy can save you $50–$100 per year. SR22Savings is often cheaper than competitors because we do not charge broker fees in Arizona. A personalized quote will give you the most accurate rate.
How Do I Get Arizona Non‑Owner SR22 Insurance?
Short Answer: The easiest way is to request a quote from SR22Savings, which compares rates and files your SR22 for you.
Long Answer: Many major insurers do not openly advertise non‑owner SR22 policies, and some only offer them to existing customers. SR22Savings simplifies the process by comparing multiple carriers to find the best available rate. You can request a quote online or speak with our customer service team to explore coverage options tailored to your situation. Once issued, we file the SR22 with the Arizona MVD for you.
How Does Arizona Non‑Owner SR22 Insurance Work?
Short Answer: It provides liability coverage for drivers who don’t own a car but need to meet Arizona’s SR22 filing requirements.
Long Answer: Arizona non‑owner SR22 insurance provides the minimum liability coverage required by state law for drivers who do not own a vehicle but occasionally drive someone else’s car outside their household. You may need this coverage after a DUI, excessive speeding tickets, driving uninsured, or driving with a suspended license. The policy satisfies SR22 requirements—typically for three years—and helps you reinstate your driving privileges.
Is Arizona Non‑Owner SR22 Insurance Cheaper?
Short Answer: Yes — non‑owner SR22 insurance is usually cheaper than a standard auto policy.
Long Answer: Non‑owner SR22 insurance is generally more affordable because it only provides liability coverage and does not insure a specific vehicle. Most Arizona drivers pay $25–$45 per month, depending on their driving history. SR22Savings is often even more cost‑effective because we do not charge broker fees, unlike many competitors.
What Does Arizona Non‑Owner SR22 Insurance Cover?
Short Answer: It covers liability for injuries and property damage you cause while driving a vehicle you don’t own.
Long Answer: Arizona non‑owner SR22 insurance provides liability protection for bodily injury and property damage you may cause while driving a vehicle you do not own. It does not cover damage to the vehicle you are driving or provide comprehensive or collision coverage. This policy ensures you meet Arizona’s minimum liability requirements and protects you financially if an accident occurs.
What Is an Arizona Non‑Owner SR22 Insurance Policy?
Short Answer: A low‑cost liability policy for drivers who don’t own a car but must file an SR22 with the Arizona MVD.
Long Answer: An Arizona non‑owner SR22 insurance policy is a budget‑friendly liability‑only option for drivers who do not own a vehicle, want to avoid gaps in coverage, or must file an SR22 due to a DUI or other violations. It meets Arizona’s minimum liability requirements and fulfills SR22 obligations, helping you stay compliant and regain your driving privileges.
How Can I Purchase Arizona Non‑Owner SR22 Insurance?
Short Answer: SR22Savings can help you purchase an affordable non‑owner SR22 policy and file your SR22 with the MVD.
Long Answer: To purchase Arizona non‑owner SR22 insurance, simply request a quote from SR22Savings. We compare rates across multiple carriers to find the best option for your needs. Once your policy is active, we electronically file your SR22 certificate with the Arizona MVD to help you reinstate your license quickly and easily.
5 Star Service
"Wonderful customer service beginning to end. My wife had some issues with insurance and they made it simple. Thank you so much for everything you provide."
"Very knowledgeable about coverage and extremely helpful advice. I highly recommend this company for your business!"
"Extremely knowledgeable & helpful in assisting me obtaining an SR22 in Arizona, I would highly recommend getting in touch with SR22Savings. Pricing was very competitive! Very happy that I reached out.