Non owner SR22 insurance in Arizona

Not showing proof of insurance to an officer checking a crash or traffic violation is, under A.R.S. 28-4135, a civil traffic violation. A first violation brings a civil penalty of at least $500, plus a suspension or restriction lasting three months. A second violation within 36 months carries a six-month suspension and costs at least $750.

A one-year suspension applies to a third violation within 36 months. The law requires proof of financial responsibility to be filed with the state so you can get your license back. The insurer's certificate serves as that proof.

Another route involves a court judgment from a crash that remains unpaid. A.R.S. 28-4073 requires a driver who is reinstated after that judgment to keep proof for two years after payment.

A.R.S. 28-4088 sets the filing duration rule. If you ask, the director may waive the filing at any time once three years have passed since the date when proof was required. You must request the waiver, so do not assume that the filing ends on its own.

State reinstatement charges are set by the driver license fee statute: $10 following a suspension and $20 following a revocation. No separate state fee applies to the filing itself under any statute cited here. Your insurer sets the price, so ask about the cost before you buy.

Arizona defines this type of policy for people in your situation. A.R.S. 28-4009 names it an operator's policy. Your liability is covered if you drive a vehicle you do not own. Policies written or renewed starting July 1, 2020 are covered by these minimums. A single injured person is covered up to $25,000, two or more people up to $50,000, and property damage up to $15,000.

Filing falls to your insurer. A.R.S. 28-4077 requires an insurance company authorized in Arizona to file its written certificate with the director. The certificate may also leave out the list of covered vehicles if the policyholder owns no vehicles.

Your insurer cannot simply drop the policy. Under A.R.S. 28-4081, a certified policy must remain in effect for at least ten days after the insurer has sent the director a notice of cancellation.

As A.R.S. 28-4148 requires, insurers report cancellations and nonrenewals to the state and must tell you when they do. Pay all premiums for the entire filing period. Should a lapse occur, contact the Arizona MVD immediately to learn what it requires from you.