Cheapest SR-22 Car Insurance in Arkansas

Farm Bureau provides the cheapest SR-22 insurance in Arkansas at $60 monthly for minimum coverage and $132 for full coverage, 43% lower than the state's average overall. These rates reflect costs for 40-year-old drivers with a DUI on record, and Travelers, Shelter, GEICO and Progressive may offer more affordable rates for your profile.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Farm Bureau stands out as the clear leader for SR-22 insurance in Arkansas, offering the lowest rates in six out of seven categories. While Auto-Owners provides the most affordable coverage for drivers with other violations, Farm Bureau leads for most scenarios, including young and senior drivers.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Our research provides general rankings, but your ideal insurance rates depend on personal factors. Check the table below to find the five most affordable providers based on your age, gender, coverage needs, credit score and driving history.

Farm Bureau offers the most affordable SR-22 car insurance in Arkansas, with rates starting at $43 monthly in Hatfield. You can review its rates for major cities in Arkansas below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Farm Bureau stands as the best car insurance provider for SR-22 filing because it delivers the strongest balance of affordable rates, good customer service and useful coverage options, earning the highest overall MoneyGeek score. Consider Travelers, Shelter, Progressive and GEICO in your search as well.

Arkansas SR-22 car insurance costs an average of $1,243 per year for minimum coverage and $2,715 annually for full coverage policies. Arkansas ranks as the 12th most affordable for minimum coverage and 14th for full coverage nationwide. Monthly rates can range from $66 to $606, depending on individual driver profiles.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our analysis shows Hatfield has the lowest SR-22 insurance rates in Arkansas at $83 per month, while Little Rock residents pay the highest at $123 monthly. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't insurance but a form your insurer files to confirm you meet Arkansas's Financial Responsibility law for license reinstatement. To comply with Arkansas laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. It can be extended to 5 years or more, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Arkansas drivers need to understand various insurance laws and regulations beyond just filing an SR-22 to meet the state's minimum coverage requirements.

In Arkansas, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Arkansas:

MoneyGeek analyzed hundreds of thousands of quotes across Arkansas to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Arkansas SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Arkansas's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.