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.
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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