Arkansas SR-22 Insurance: What it is and How Much it Costs

Drivers in Arkansas who have committed major traffic violations, like a DUI, need to file for an SR-22 through their insurer. This proves that they meet the state’s minimum liability coverage requirements to get their license reinstated. SR-22 policies are like your typical car insurance policies but are more expensive given the driver’s severe violation. However, there are still options for getting cheap SR22 insurance in Arkansas. For example, Southern Farm Bureau offers drivers SR-22 insurance at an average of $481 per year.

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Advertising & Editorial DisclosureLast Updated: 11/14/2022
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Which Arkansas Insurance Companies Offer the Cheapest SR-22 Insurance?

Having a major traffic violation is bound to increase annual premiums as insurers will view the driver as high risk. MoneyGeek found that SR-22 policies following Arkansas’ minimums cost an average of $1,087 per year, which is 82.4% higher than the average $596 a driver with a clean record pays for car insurance.

There are still cheap insurance options for drivers in Arkansas who have filed an SR-22 form. Southern Farm Bureau offers the most affordable SR-22 insurance rates in Arkansas, costing $481 on average for drivers with a DUI.

Cheapest Companies for SR-22 Insurance in Arkansas

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MoneyGeek collected rates based on a policy that meets Arkansas’s minimum liability coverage requirements or for a full coverage policy with $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage liability coverage.

Other factors can still affect or contribute to the rates of the average cost of car insurance for SR-22 filers — this can include the costs of filing the document, the severity of the driving violation and even the loss of discounts. This is why drivers who have to file an SR-22 should compare at least three car insurance companies to search for the lowest rates.

If price isn't your number one priority when it comes to car insurance, we recommend checking out the top car insurance companies in Arkansas.

Key Takeaways


SR-22 insurance comes with a small filing cost of around $25


Drivers who were previously eligible for discounts based on good driving records will lose them, making the price seem even more costly


The average car insurance cost after filing for an SR-22 varies based on the violation (i.e. committing a hit and run is worse than a DUI)

What Is SR-22 Insurance in Arkansas? Who Needs It? How Do You Get It?

Drivers should note that the SR-22 is a form — not an actual policy. This is filed by insurance companies to prove that you meet Arkansas’ minimum liability coverage requirements for car insurance. Filing for an SR-22 is required after drivers commit a severe traffic violation, such as a DUI or reckless driving. Expect that the rates of insurance after a DUI will increase exponentially, as insurers view drivers with unclean records as high-risk.

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Filing for an SR-22 proves to the state that a driver meets Arkansas’s minimum car insurance requirements. The state requires that driver has at least the following:

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

Read more with MoneyGeek's Arkansas car insurance resources or estimate rates with our Arkansas car insurance calculator.

Who Needs SR-22 Insurance in Arkansas? And for How Long Do They Need It?

SR-22 insurance is not required for all types of violations. In Arkansas and most states, violations such as the following will require SR-22 coverage:

  • DUI
  • Reckless driving
  • Driving without insurance coverage
  • Driving with a suspended license

On the other hand, minor violations such as a speeding ticket or a standard accident will not require a driver to file for SR-22 insurance. However, it’s worth noting that the rate of insurance after a ticket or accident may still increase your annual premium — but not as high as those with SR-22 insurance.

How long you need SR22 insurance in Arkansas will depend on the severity of the violation along with a host of other factors. Although in most cases, drivers hold onto it for around three years.

How Do You Get SR-22 Insurance in Arkansas?

Insurers will only file an SR-22 form if a driver or policyholder requests it. This is an indication of a driver’s high risk, which can inevitably increase the cost of car insurance. Not only that, but some insurance companies may even choose to not cover you if they deem you too high risk.

Non-Owner SR-22 Insurance in Arkansas

Drivers who commit a major traffic violation are liable to get their license suspended and may be required to file for SR-22 insurance even if they don’t have a car.

In this situation, the best solution is to get non-owner car insurance. It’s a more affordable way to help verify that you’ve purchased insurance to get your license reinstated even if you don’t own a car. It’s also a good option for those who regularly rent cars.

The average cost of non-owner SR22 insurance in Arkansas costs $523 per year. USAA is the cheapest insurer costing an average of $346 per year but is only available for military families. GEICO comes at a close second, offering SR-22 filers non-owner car insurance at an average of $379 per year.

The Average Cost of Non-Owner SR-22 Car Insurance in Arkansas

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MoneyGeek collected prices for drivers in Arkansas with a DUI on their record looking for policies that have $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in Arkansas

Filing for SR-22 insurance in Arkansas can raise a lot of questions — especially when it comes to the rates, the process of filing the form and who to shop with. MoneyGeek answered a few commonly asked inquiries about SR-22 to help drivers through the process.

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MoneyGeek analyzed renters insurance premiums from 12 of the top insurance companies in Arkansas that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Arkansas. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.