Future Financial Responsibility (SR-22)

What is Future Financial Responsibility?

Future financial responsibility, commonly called SR-22, is proof that you have and maintain the minimum required driver insurance coverage. It's required when you're convicted of certain traffic violations or fail to maintain liability insurance for a vehicle you own or lease. Your insurance company files this proof electronically with MVD as required by Arizona law.

When It's Required

You may need to maintain Future Financial Responsibility for certain violations, including:

Alcohol- or drug-related revocations

• 3 years from the end date of your revocation 

Court-conviction DUI suspension

• 3 years from the end date of your suspension

Implied-consent suspension (refusing alcohol/drug test)

• 3 years from the end date of your suspension

Insurance law violations (only A.R.S. 28-4135 violations)

• 3 years from the start date you become eligible for reinstatement

Nonpayment and default judgment

• Throughout the term of the judgment plus a full 2 years after satisfaction of the judgment

Acquiring a SIIRDL

• Throughout the restricted license timeframe. 

Note: An SR-22 is not required for a SIIRDL due to Admin Per Se.

How to Get Future Financial Responsibility

You have two options to establish proof:

Option 1: SR-22 Certificate (Most Common)

Contact an Arizona-licensed insurance company to purchase automobile insurance coverage. If you don't own a vehicle, you'll need a non-owner insurance policy. Once you have coverage, request that your insurance company file an SR-22 certificate with MVD. Your insurance company will electronically file this proof with MVD.

Option 2: Cash Deposit

Deposit $40,000 with the Arizona State Treasurer's Office and obtain a certificate of deposit. Email MVD with your certificate.

Don't let Coverage Lapse

If your Future Financial Responsibility coverage lapses at any time during the required period, your driver license may be suspended until you re-establish proof.

Your insurance company must notify MVD if your policy cancels or lapses. Once notified, MVD may suspend your driving privileges immediately.

Re-establishing after a Lapse

If your coverage lapses:

Contact your insurance company immediately to reinstate or obtain new SR-22 coverage. Your insurance company will electronically file the new proof with MVD. Pay the $10 suspension fee online at AZMVDNow.gov or at any MVD or Third Party office.

Ending your Requirement

When you've completed your required time period, MVD will automatically remove the requirement. You don't need to take any action.

Your insurance company may continue filing SR-22 proof even after MVD removes the requirement. Contact your insurance company directly to cancel SR-22 filing once your requirement ends.

Note: The Division may release a person from an SR-22 requirement if a person is no longer a resident or has never been a resident of this state. Judgments are not eligible for the out of state waiver.

Get Help

Check your requirement status

You can do this online at AZ MVD Now > Other Services > Compliance Issues Timeline > Compliance Report.

Questions about your coverage

Contact your insurance company directly for questions about:

• SR-22 filing fees
• Policy coverage
• Lapse notifications

Questions about your requirement

Contact MVD for questions about:

• Requirement length
• Reinstatement after lapse
• When your requirement ends