Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
SR-22 insurance in Arizona is not really insurance. An SR-22 is a certificate your insurance company files with the state to prove you carry the required liability coverage. Shield of Faith works with carriers that accept SR-22 filings and can get one moving quickly.
At a glance
SR-22 in Arizona
What it is
A certificate of financial responsibility filed by your insurer with the state.
What it is not
A type of insurance. You still buy an ordinary auto policy.
Coverage it proves
At least the Arizona minimum liability limits: 25,000 / 50,000 / 15,000.
If the policy lapses
The carrier notifies the state, and your license can be suspended again.
No car of your own?
A non-owner policy can carry the filing. Ask about it rather than assuming you are stuck.
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People say "I need SR-22 insurance," and the phrase hides how it works. You do not buy an SR-22. You buy an auto policy, and your insurance company files a form with the Arizona Motor Vehicle Division confirming that the policy exists and meets the state's liability requirements. That form is the SR-22.
It gets required after specific events: a DUI, driving without insurance, an at-fault accident while uninsured, a certain accumulation of points, or a license suspension the state wants proof against before reinstating.
The filing then stays in place for a set period, and here is the part that catches people out: if the policy lapses, the carrier is obliged to notify the state, and the suspension can come straight back. Missing a payment on an SR-22 policy is a different kind of mistake than missing one on an ordinary policy.
Not every carrier will file an SR-22. Two of ours specialize in exactly this, which is why this is a phone call rather than a dead end. If you are searching for cheap SR-22 insurance in Arizona, or for non owner SR-22 insurance because you do not currently have a car, both are real options and both are quoted here.
If you do not currently have a car, you are not out of options. This is the distinction.
Owner SR-22 policy
You own a vehicle and the policy covers that vehicle.
Carries liability at or above the Arizona minimum, plus anything else you add.
The filing attaches to that policy and rides with it.
Collision and comprehensive are available if the car is worth insuring.
Non-owner SR-22 policy
You do not own a car but still need to satisfy the filing to get your license back.
Provides liability coverage while you drive a vehicle you do not own or keep.
Usually costs less than an owner policy because there is no vehicle on it.
Does not cover a car furnished or available for your regular use, so ask before you rely on it.
We are a local agency, not a call center reading from a script, and we are independent, so we can go straight to the carriers that actually want to write drivers who need a filing.
People calling about an SR-22 have usually already had a bad few months and have already been judged by somebody. That is not the conversation you get here. We need your license number, the reason for the filing and the dates, and then we go to work so you can get back to normal life.
How we handle it
Quotes the carriers that actually accept SR-22 filings, rather than trying the standard ones and reporting back
Tells you what the filing fee is separately from the premium, so the bill is not a surprise
Sets the payment schedule up to avoid a lapse, because a lapse restarts the whole problem
Diaries the date the filing requirement ends and reshops you the week it does
Bristol West, now part of Foremost Insurance Group, and National General are both appointed here and both write non-standard auto including SR-22 filings.
How it works
You buy the policy. The carrier files the certificate. The state accepts it and releases the hold on your license. The policy is the thing that costs money; the filing itself is usually a small one-off fee on top.
The premium is higher than it was before, and that is honest to say out loud. What moves the size of that increase is which carrier you land with. Standard carriers either decline the risk or price it defensively; non-standard carriers such as Bristol West and National General are built for it and compete on it.
There is also an exit. The filing requirement ends after its period, and your record keeps improving while you drive clean. We diarise the date, reshop you the moment the filing drops off, and get you back onto standard pricing. That second conversation is the one most agencies never have with an SR-22 client.
The policy is what you buy. The SR-22 is the certificate your carrier sends to the state to prove the policy exists and meets the minimum limits.
In their words
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“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
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Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
How fast can you file an SR-22 in Arizona?
Once a policy is bound, carriers generally submit the filing electronically and it reaches the state quickly. Call 602-480-6453 with your license number and the reason for the filing and we will tell you the realistic timeline for the specific carrier rather than a marketing promise.
How long do I need to carry an SR-22?
The period is set by the state based on the violation, and it runs from the date the requirement starts rather than from the date you buy the policy. Your reinstatement paperwork states the period. Keep the policy continuously in force for the whole term, because a lapse restarts the clock.
Can I get an SR-22 without owning a car?
Yes. A non-owner policy provides liability coverage while you drive vehicles you do not own, and it can carry the SR-22 filing. It generally costs less than an owner policy. It does not cover a vehicle that is furnished or available for your regular use, so be specific about your situation.
Will an SR-22 raise my insurance rate?
Yes, though the filing fee itself is small. The increase comes from the violation behind the filing, not from the form. How large it is depends heavily on the carrier, which is why comparing non-standard markets rather than accepting the first quote is worth the phone call.
What happens if my SR-22 policy lapses?
Your insurance company is required to notify the state, and your license can be suspended again. This is the single most important thing to get right on an SR-22 policy. Set the payments up so a lapse cannot happen by accident.
Can I get regular insurance again after the SR-22 ends?
Yes, and that is the goal. Once the filing requirement is satisfied and the violation ages on your record, standard carriers come back into range. We track the date and reshop your policy when it arrives instead of leaving you on non-standard pricing indefinitely.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
We file SR-22 insurance in Arizona for drivers across Peoria, Glendale, Surprise and the wider Phoenix metro. Whether you need SR-22 insurance in Peoria, AZ on a car you own, non owner SR-22 insurance because you drive somebody else's, or you are simply trying to work out what an SR-22 in Arizona costs, we quote it across the carriers that accept the filing. Cheap SR-22 insurance in Arizona is really a question of which market wants your record, and the SR-22 certificate itself is a small fee on top of the policy.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Call us with your license number and the reason for the filing. We will tell you what is possible and by when, with no lecture attached.
