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Compare Arkansas SR-22 insurance

Get cheap SR-22 insurance in Arkansas

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Arkansas downtown

If you’ve gotten into trouble behind the wheel in Arkansas, you might be required to show proof of insurance. In some states this is done with an SR-22 form.

Compare Arkansas SR-22 car insurance

Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Arkansas car insurance.

Name Product Roadside assistance Accident forgiveness Payment schedule States served
The General
Optional
12 months, monthly
All states except HI MA MI and NJ
Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.
Esurance
12 months, monthly
AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI
Convenient online quotes, coverage and claims for tech-savvy drivers.
National General
12 months, 6 months, custom
All 50 states
Nab flexible coverage and tremendous savings for drivers who have trouble finding coverage elsewhere. Talk to an agent at (833) 319-0576.
Farmers
monthly, custom
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.
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When would I have to file an SR-22 in Arkansas?

Your state DMV will let you know if you need to file an SR-22. You might have to file an SR-22 in Arkansas if:

  • You’re convicted for DUI or reckless driving
  • You’re involved in multiple accidents
  • You’re caught driving without insurance

What if I don’t have a car or a license?

If you don’t own a car and you still want to drive, you’ll need an SR-22. Ask you insurance provider about non-owner or an operator insurance policy.

What if I’m from another state?

If you have an SR-22 from another state, maintain it while driving in Arkansas. It’s likely sufficient in Arkansas, but verify coverage with Arkansas Driver Services and your insurer.

How long will I need to hold the SR-22 for?

Make sure you understand your role in maintaining your insurance and your SR-22.

In Arkansas, the typical amount of time you may be required to keep an SR-22 on file is three years, depending on your conviction.

How do I file an SR-22 in Arkansas?

    1. Find an insurer. Ask your insurer if it issues SR-22s in the state of Arkansas. If it doesn’t, you’ll need to find a car insurance company that does.
    2. Pay the SR-22 fee. Your insurer will charge you a processing fee for filing the SR-22 on your behalf.
    3. Verify minimum liability coverage. The minimum amount of car insurance that you must carry in Arkansas is:
      • $25,000 for injury or death of one person
      • $50,000 for injury or death of more than one person
      • $25,000 for property damage

You might see this listed as 25/50/10 in insurance documents.

  1. Submit your SR-22. In Arkansas, your insurance provider can electronically file the SR-22 on your behalf.
  2. Wait for confirmation. You’ll receive a letter from your insurer and the the state of Arkansas that your SR-22 is accepted.

How much does an SR-22 cost?

The fee for filing the SR-22 varies by insurer, usually $20 to $50. But it’s not the filing fee that’s most expensive — you’ll typically see higher premiums than you’re used to.

The impact of an SR-22 on your car insurance rates

Keep your SR-22 updated to avoid longer and more costly penalties. A lapse or non-renewal could cost you time and money.

SR-22s are often required after a driving conviction, such as driving without insurance or a DUI. After such a conviction, you’re considered a “high risk” driver by Arkansas and most providers — which typically results in higher insurance rates. Still, you’ll find providers out there that specialize in high-risk drivers.

Talk to your provider about how much you can expect your rates to increase.

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