Cheapest SR-22 Car Insurance in Arkansas

Farm Bureau provides Arkansas's cheapest SR-22 insurance at $721 for minimum coverage and $1,588 for full coverage. The minimum rate is $876 below the state average of $1,598, or about 55% cheaper, offering substantial savings for drivers who need an SR-22 filing.

GEICO, the most expensive on our list, costs $1,169 for minimum coverage, still 12% below the state average but $448 more than Farm Bureau. Arkansas's moderate SR-22 market shows meaningful price differences between carriers.

The table below lists the five companies providing the most affordable SR-22 coverage options in Arkansas.

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

Farm Bureau most frequently wins categories statewide. The cheapest category is Senior Drivers With a Suspension, at $650 for minimum coverage SR-22 insurance with Farm Bureau, while the most expensive is Young Drivers With a Suspension, at $875 with Farm Bureau. The $224 spread shows how youth amplifies SR-22 costs even with the same carrier and violation type.

Your SR-22 premium will hinge on the violation type, how recent it is, and the way each insurer models risk in Arkansas.

* 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.

Hatfield is Arkansas's cheapest city for minimum coverage SR-22 insurance at $517 (Farm Bureau), while Little Rock averages $897 (Farm Bureau). The $380 gap equals about 74% higher in the capital, reflecting dense traffic and elevated claim costs in the metro.

Urban crash rates, theft levels and repair expenses contribute heavily to city-to-city SR-22 differences in Arkansas.

* 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.

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.