SR-22 insurance in Arkansas: Quotes, rankings and information

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#1
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USAA
4.72 ★★★★★
4.72 ★★★★★
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#2
/21
AAA
4.12 ★★★★★
4.12 ★★★★★
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#3
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4.10 ★★★★★
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#4
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4.06 ★★★★★
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#5
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#6
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Allstate
4.00 ★★★★★
4.00 ★★★★★
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#7
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4.00 ★★★★★
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#8
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3.98 ★★★★★
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#9
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Esurance, Inc.
3.98 ★★★★★
3.98 ★★★★★
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#10
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3.95 ★★★★★
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#11
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3.82 ★★★★★
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#12
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Dairyland
3.82 ★★★★★
3.82 ★★★★★
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#13
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3.57 ★★★★★
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#14
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3.48 ★★★★★
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#15
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3.30 ★★★★★
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#16
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3.30 ★★★★★
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#17
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3.25 ★★★★★
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#18
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2.64 ★★★★★
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#19
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2.29 ★★★★★
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#20
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3.86 ★★★★★
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#21
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2.93 ★★★★★
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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.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

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