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Roslyn McKenna
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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.

How much does an SR-22 cost in Arkansas?

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.

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

    The minimum amount of car insurance that you must carry in Arkansas is 25/50/25:

    • $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

      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

      How does an SR-22 in Arkansas affect my 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.

      How long will I need an SR-22 in Arkansas?

      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.

      Can I get nonowner SR-22 insurance in Arkansas?

      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.

      Do I need an SR-22 in Arkansas if I’m from another state?

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

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      Get back on the road with car insurers offering SR-22 support in Arkansas. Narrow down options by roadside assistance, accident forgiveness and more to get a quote.

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