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.
An SR-22 is proof of future financial responsibility showing you have at least the minimum liability car insurance for the state of Arkansas. File the form with Arkansas Department of Finance and Administration’s Driver Services office.
Here’s what you need to know about obtaining and maintaining proof of insurance in Arkansas.
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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?
- 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.
- Pay the SR-22 fee. Your insurer will charge you a processing fee for filing the SR-22 on your behalf.
- 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.
- Submit your SR-22. In Arkansas, your insurance provider can electronically file the SR-22 on your behalf.
- 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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