Best Arkansas SR-22 Insurance in 2024
Arkansas SR-22 requirements
If you need to file an SR-22 in Arkansas, it means you’ve committed a violation and are considered a high-risk driver. After certain violations in Arkansas, the state or court may require you to file an SR-22 insurance form. The SR-22 proves to the state that you have at least the minimum required liability car insurance coverage.
The SR-22 requirement is often called SR-22 insurance even though it’s not actually a different type of car insurance from your traditional car insurance coverage. The SR-22 is an endorsement that verifies you have insurance, but it’s often called SR22 insurance because it affects your car insurance coverage and rates. On average, drivers in Arkansas who need an SR-22 form after a DUI pay 53 percent more for car insurance than drivers with a clean record.
Arkansas SR-22 insurance policy is a mandate for you if you have been convicted of driving under the influence of alcohol (DUI) or other substance or have broken certain traffic rules. Typically, SR-22 insurance is required for three years in Arkansas, but your required filing period can vary based on your violation. There may be stricter limitations for second-time offenders than first-time offenders.
Throughout your filing period, you must maintain your SR22 insurance coverage without a lapse in coverage. If your policy is canceled and you have a lapse in coverage, your insurance company will notify the state and your license may be suspended and you may have to begin the SR22 filing period over again.
If you stick to your SR-22 insurance filing requirements and maintain a clean driving record, you won’t need to file the form any longer after your period expires. This could result in your coverage and car insurance rates returning to normal, depending on your offense. However, if you commit another violation in the future, you could be required to have SR-22 insurance again.
SR-22 limits in Arkansas
All drivers in Arkansas must have liability coverage. An SR-22 form verifies to Arkansas that you have at least the minimum amount of liability car insurance coverage required in Arkansas. If you need Arkansas SR22 insurance, you need to have at least the following liability coverage and limits:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Who needs SR22 car insurance in Arkansas?
In Arkansas, drivers who are considered high risk may need to file an SR-22 auto insurance form. Such drivers include those who have committed a driving violation and have had their license suspended. You could need an Arkansas SR22 insurance policy for the following reasons:
- Conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Reckless or dangerous driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
Even if you don’t have a car and you wish to drive in Arkansas but have an SR-22 requirement, you'll need a non-owner SR-22 insurance policy. You will have to check with your insurance provider about non-owner or an operator insurance policy.
Arkansas SR-22 insurance rates
If you require an SR-22 insurance policy, your auto insurance rates may increase because you’re considered a high-risk or non-standard driver. However, the cost of car insurance can vary from company to company and by state. Additional factors that go into the cost of SR22 insurance include your age, gender, location, credit score, vehicle type, marital status, and so on.
One of the most common reasons drivers need SR22 insurance is because of a DUI. On average, drivers with one DUI conviction in Arkansas pay $1,714 per year for car insurance. That’s 53 percent more than car insurance for a driver with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Arkansas drivers who have one DUI conviction from some of the largest companies in the state.
| Company | Car insurance rate |
|---|---|
| Southern Farm Bureau | $1,122 |
| USAA* | $1,290 |
| Travelers | $1,311 |
| Safeco | $1,394 |
| State Farm | $1,408 |
| Farmers | $1,425 |
| Nationwide | $1,692 |
| AAA | $1,693 |
| Geico | $1,788 |
| Auto-Owners | $1,987 |
| Allstate | $2,162 |
| Progressive | $2,270 |
| Shelter | $2,768 |
*USAA is only available to active and former military members and their families.
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Arkansas will differ. Rate data is provided by Quadrant Information Services.
How to get SR22 insurance in Arkansas
If you need SR22 insurance in Arkansas, you need to contact an insurance company because you cannot file the form on your own. However, not all insurance companies offer SR22 insurance. You can shop around for a policy by getting quotes from multiple companies and comparing their rates.
Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Arkansas with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Arkansas, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange "Click for quote" button next to the company, call the number available, or visit the company's website.
If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.
SR-22 fees in Arkansas
In addition to an increase in car insurance rates, you may also need to pay a fee to your insurance company to file the SR22 form on your behalf. This fee is typically between $25 and $50.
There are also other fees you may need to pay depending on your violation. If your Arkansas driver’s license was suspended, you’ll need to pay a reinstatement fee to get it back. The fee may vary based on your violation. If you’ve committed a DUI, there are many penalties for this offense that can include fines.