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State Farm and Hanover offer the cheapest SR-22 insurance in Arkansas for minimum coverage, costing approximately $266 and $319 per year, respectively. For full coverage, State Farm ($699 annually) and Louisiana Farm Bureau ($800 yearly) are the cheapest. State Farm is the most affordable for non-owner drivers at around $324 yearly, along with Auto-Owners at around $394 annually.

Filing an SR-22 is necessary if you commit a serious driving offense like driving under the influence (DUI). While the form alone doesn’t impact your rates, most violations requiring an SR-22 will increase premiums. Getting affordable coverage is possible by comparing quotes.

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2023

Cheapest Companies for SR-22 Car Insurance in Arkansas

Cheapest Companies for SR-22 Car Insurance in Arkansas

The two cheapest SR-22 car insurance companies in Arkansas offering minimum coverage for drivers with a DUI on their records are:

For full coverage policies, the most affordable insurers are:

  • State Farm: $699 per year
  • Louisiana Farm Bureau: $800 per year

After a driving violation, car insurance premiums often increase because insurance companies consider you as high risk and more likely to file claims. If you’re looking for affordable SR-22 car insurance in Arkansas, the table below presents the best options, with rates ranging between $266 and $2,681 per year, depending on the insurer and coverage level.

Company
Annual Premium
Monthly Premium

Hanover

$191

$16

State Farm

$218

$18

Louisiana Farm Bureau

$230

$19

South Carolina Farm Bureau

$230

$19

Southern Farm Bureau

$230

$19

State Farm

$232

$19

State Farm

$251

$21

State Farm

$251

$21

Louisiana Farm Bureau

$254

$21

South Carolina Farm Bureau

$254

$21

Southern Farm Bureau

$254

$21

Southern Farm Bureau

$256

$21

South Carolina Farm Bureau

$256

$21

Louisiana Farm Bureau

$256

$21

Hanover

$260

$22

State Farm

$266

$22

State Farm

$266

$22

State Farm

$276

$23

Hanover

$277

$23

State Farm

$282

$23

Louisiana Farm Bureau

$288

$24

Southern Farm Bureau

$288

$24

South Carolina Farm Bureau

$288

$24

Southern Farm Bureau

$290

$24

South Carolina Farm Bureau

$290

$24

Louisiana Farm Bureau

$290

$24

State Farm

$293

$24

Progressive

$293

$24

Hanover

$297

$25

Hanover

$297

$25

Hanover

$298

$25

Progressive

$304

$25

Louisiana Farm Bureau

$309

$26

Southern Farm Bureau

$309

$26

South Carolina Farm Bureau

$309

$26

Auto-Owners Insurance Co

$315

$26

Hanover

$319

$27

Southern Farm Bureau

$320

$27

Louisiana Farm Bureau

$320

$27

South Carolina Farm Bureau

$320

$27

Auto-Owners Insurance Co

$323

$27

State Farm

$324

$27

State Farm

$324

$27

Hanover

$327

$27

South Carolina Farm Bureau

$327

$27

Southern Farm Bureau

$327

$27

Louisiana Farm Bureau

$327

$27

Hanover

$341

$28

Hanover

$342

$29

Louisiana Farm Bureau

$349

$29

Southern Farm Bureau

$349

$29

South Carolina Farm Bureau

$349

$29

Nationwide

$350

$29

Louisiana Farm Bureau

$356

$30

South Carolina Farm Bureau

$356

$30

Southern Farm Bureau

$356

$30

Nationwide

$356

$30

State Farm

$357

$30

GEICO

$360

$30

Progressive

$361

$30

Auto-Owners Insurance Co

$362

$30

Farmers

$363

$30

Progressive

$364

$30

Auto-Owners Insurance Co

$372

$31

AAA

$373

$31

GEICO

$376

$31

Farmers

$376

$31

GEICO

$395

$33

Alfa

$398

$33

Hanover

$405

$34

South Carolina Farm Bureau

$405

$34

Southern Farm Bureau

$405

$34

Louisiana Farm Bureau

$405

$34

Progressive

$406

$34

AAA

$406

$34

Progressive

$411

$34

GEICO

$415

$35

Travelers

$416

$35

GEICO

$416

$35

Alfa

$422

$35

Progressive

$431

$36

Southern Farm Bureau

$431

$36

South Carolina Farm Bureau

$431

$36

Louisiana Farm Bureau

$431

$36

Travelers

$434

$36

Farmers

$441

$37

Shelter

$444

$37

Farmers

$444

$37

GEICO

$446

$37

Nationwide

$451

$38

GEICO

$451

$38

GEICO

$452

$38

Auto-Owners Insurance Co

$456

$38

Travelers

$461

$38

Nationwide

$465

$39

Progressive

$467

$39

Hanover

$468

$39

Nationwide

$469

$39

Progressive

$480

$40

GEICO

$492

$41

Farmers

$499

$42

Auto-Owners Insurance Co

$504

$42

AAA

$507

$42

Farmers

$510

$43

Auto-Owners Insurance Co

$516

$43

Allstate

$518

$43

Farmers

$519

$43

Auto-Owners Insurance Co

$525

$44

Farmers

$526

$44

GEICO

$532

$44

Allstate

$537

$45

Alfa

$543

$45

Travelers

$546

$46

AAA

$550

$46

Hanover

$551

$46

State Farm

$564

$47

Allstate

$571

$48

Travelers

$572

$48

GEICO

$573

$48

Travelers

$576

$48

Farmers

$578

$48

Shelter

$583

$49

Farmers

$585

$49

Nationwide

$585

$49

Progressive

$586

$49

Allstate

$587

$49

South Carolina Farm Bureau

$590

$49

Louisiana Farm Bureau

$590

$49

Southern Farm Bureau

$590

$49

Nationwide

$592

$49

Allstate

$593

$49

Farmers

$596

$50

AAA

$597

$50

Home State Ins Group

$602

$50

GEICO

$603

$50

Travelers

$603

$50

Farmers

$604

$50

Nationwide

$611

$51

Travelers

$620

$52

State Farm

$629

$52

Home State Ins Group

$630

$52

State Farm

$633

$53

State Farm

$633

$53

AAA

$635

$53

Allstate

$637

$53

AAA

$640

$53

Alfa

$640

$53

Louisiana Farm Bureau

$641

$53

South Carolina Farm Bureau

$641

$53

Southern Farm Bureau

$641

$53

Home State Ins Group

$642

$54

Allstate

$644

$54

Travelers

$649

$54

Southern Farm Bureau

$650

$54

Louisiana Farm Bureau

$650

$54

South Carolina Farm Bureau

$650

$54

Home State Ins Group

$653

$54

Allstate

$653

$54

Travelers

$656

$55

Allstate

$664

$55

Progressive

$667

$56

Alfa

$668

$56

Home State Ins Group

$672

$56

Allstate

$674

$56

Travelers

$677

$56

Progressive

$682

$57

State Farm

$686

$57

AAA

$690

$58

AAA

$695

$58

Home State Ins Group

$696

$58

Alfa

$698

$58

State Farm

$699

$58

State Farm

$699

$58

Auto-Owners Insurance Co

$705

$59

Allstate

$705

$59

Auto-Owners Insurance Co

$709

$59

Southern Farm Bureau

$712

$59

South Carolina Farm Bureau

$712

$59

Louisiana Farm Bureau

$712

$59

Louisiana Farm Bureau

$718

$60

Southern Farm Bureau

$718

$60

South Carolina Farm Bureau

$718

$60

Alfa

$726

$60

Auto-Owners Insurance Co

$726

$61

Allstate

$730

$61

Auto-Owners Insurance Co

$730

$61

Alfa

$735

$61

Nationwide

$735

$61

Travelers

$736

$61

Hanover

$741

$62

Nationwide

$744

$62

Farmers

$744

$62

AAA

$748

$62

Auto-Owners Insurance Co

$751

$63

Home State Ins Group

$755

$63

Nationwide

$755

$63

State Farm

$756

$63

Nationwide

$758

$63

GEICO

$759

$63

Alfa

$762

$64

Home State Ins Group

$767

$64

Southern Farm Bureau

$772

$64

South Carolina Farm Bureau

$772

$64

Louisiana Farm Bureau

$772

$64

Auto-Owners Insurance Co

$789

$66

Home State Ins Group

$791

$66

South Carolina Farm Bureau

$795

$66

Louisiana Farm Bureau

$795

$66

Southern Farm Bureau

$795

$66

State Farm

$796

$66

Louisiana Farm Bureau

$800

$67

Southern Farm Bureau

$800

$67

South Carolina Farm Bureau

$800

$67

Dairyland

$800

$67

Nationwide

$805

$67

Alfa

$806

$67

Farmers

$810

$67

Shelter

$813

$68

Home State Ins Group

$819

$68

Home State Ins Group

$820

$68

Hanover

$823

$69

Hanover

$824

$69

GEICO

$829

$69

Travelers

$835

$70

Hanover

$861

$72

AAA

$864

$72

Alfa

$864

$72

Southern Farm Bureau

$866

$72

Louisiana Farm Bureau

$866

$72

South Carolina Farm Bureau

$866

$72

South Carolina Farm Bureau

$870

$72

Southern Farm Bureau

$870

$72

Louisiana Farm Bureau

$870

$72

Shelter

$870

$73

AAA

$870

$73

Hanover

$871

$73

Travelers

$873

$73

Hanover

$878

$73

GEICO

$890

$74

State Farm

$894

$74

State Farm

$894

$74

Shelter

$896

$75

Alfa

$902

$75

Nationwide

$902

$75

Allstate

$919

$77

Dairyland

$921

$77

Dairyland

$926

$77

Shelter

$929

$77

Dairyland

$929

$77

GEICO

$933

$78

AAA

$936

$78

Hanover

$944

$79

Nationwide

$956

$80

Hanover

$956

$80

Hanover

$957

$80

Farmers

$961

$80

Allstate

$966

$80

Home State Ins Group

$966

$80

GEICO

$966

$81

GEICO

$966

$81

State Farm

$968

$81

Louisiana Farm Bureau

$972

$81

Southern Farm Bureau

$972

$81

South Carolina Farm Bureau

$972

$81

GEICO

$979

$82

Shelter

$990

$82

Allstate

$997

$83

Nationwide

$1,009

$84

Farmers

$1,014

$85

Auto-Owners Insurance Co

$1,016

$85

Travelers

$1,019

$85

Farmers

$1,025

$85

Auto-Owners Insurance Co

$1,028

$86

AAA

$1,030

$86

Nationwide

$1,042

$87

Progressive

$1,048

$87

South Carolina Farm Bureau

$1,051

$88

Louisiana Farm Bureau

$1,051

$88

Southern Farm Bureau

$1,051

$88

GEICO

$1,052

$88

Allstate

$1,057

$88

GEICO

$1,067

$89

Auto-Owners Insurance Co

$1,067

$89

Shelter

$1,068

$89

Farmers

$1,105

$92

Farmers

$1,106

$92

Dairyland

$1,107

$92

Dairyland

$1,112

$93

Allstate

$1,113

$93

Hanover

$1,114

$93

Alfa

$1,115

$93

Farmers

$1,135

$95

Progressive

$1,140

$95

Farmers

$1,141

$95

Allstate

$1,143

$95

Shelter

$1,143

$95

Alfa

$1,145

$95

Dairyland

$1,177

$98

Farmers

$1,187

$99

GEICO

$1,193

$99

Allstate

$1,195

$100

Travelers

$1,207

$101

Shelter

$1,222

$102

Hanover

$1,224

$102

Allstate

$1,235

$103

GEICO

$1,241

$103

Travelers

$1,245

$104

Nationwide

$1,247

$104

Nationwide

$1,254

$104

Travelers

$1,255

$105

Dairyland

$1,267

$106

Allstate

$1,267

$106

Farmers

$1,269

$106

Auto-Owners Insurance Co

$1,271

$106

AAA

$1,272

$106

Allstate

$1,295

$108

Farmers

$1,299

$108

Shelter

$1,300

$108

Travelers

$1,302

$109

Allstate

$1,310

$109

Progressive

$1,317

$110

Travelers

$1,320

$110

AAA

$1,321

$110

Auto-Owners Insurance Co

$1,329

$111

Dairyland

$1,331

$111

Allstate

$1,339

$112

Dairyland

$1,341

$112

Nationwide

$1,357

$113

Travelers

$1,375

$115

Progressive

$1,377

$115

Progressive

$1,394

$116

Travelers

$1,402

$117

GEICO

$1,408

$117

Dairyland

$1,426

$119

Shelter

$1,443

$120

AAA

$1,450

$121

Auto-Owners Insurance Co

$1,452

$121

Travelers

$1,455

$121

AAA

$1,484

$124

AAA

$1,494

$124

Travelers

$1,531

$128

Progressive

$1,532

$128

Alfa

$1,543

$129

Shelter

$1,544

$129

Nationwide

$1,557

$130

Dairyland

$1,576

$131

Nationwide

$1,618

$135

Progressive

$1,620

$135

AAA

$1,628

$136

Progressive

$1,628

$136

AAA

$1,638

$137

Shelter

$1,651

$138

Home State Ins Group

$1,652

$138

Nationwide

$1,666

$139

Home State Ins Group

$1,696

$141

Home State Ins Group

$1,715

$143

Auto-Owners Insurance Co

$1,719

$143

Shelter

$1,720

$143

Alfa

$1,724

$144

Alfa

$1,729

$144

Shelter

$1,735

$145

Shelter

$1,757

$146

Home State Ins Group

$1,763

$147

Home State Ins Group

$1,767

$147

Dairyland

$1,767

$147

Auto-Owners Insurance Co

$1,780

$148

AAA

$1,793

$149

Alfa

$1,808

$151

Alfa

$1,814

$151

Home State Ins Group

$1,816

$151

Progressive

$1,857

$155

Dairyland

$1,858

$155

Dairyland

$1,863

$155

Alfa

$1,905

$159

Alfa

$1,911

$159

Auto-Owners Insurance Co

$1,918

$160

Nationwide

$1,928

$161

Home State Ins Group

$2,006

$167

AAA

$2,016

$168

Home State Ins Group

$2,024

$169

AAA

$2,028

$169

Shelter

$2,030

$169

Progressive

$2,035

$170

Dairyland

$2,039

$170

Shelter

$2,040

$170

Home State Ins Group

$2,085

$174

Home State Ins Group

$2,087

$174

Home State Ins Group

$2,147

$179

Alfa

$2,194

$183

Progressive

$2,209

$184

Alfa

$2,278

$190

Shelter

$2,281

$190

Alfa

$2,376

$198

Progressive

$2,411

$201

Home State Ins Group

$2,462

$205

Dairyland

$2,492

$208

Dairyland

$2,496

$208

Dairyland

$2,501

$208

Dairyland

$2,549

$212

Auto-Owners Insurance Co

$2,592

$216

Shelter

$2,681

$223

Shelter

$2,742

$228

Dairyland

$2,814

$235

Dairyland

$2,819

$235

Dairyland

$3,007

$251

Shelter

$3,080

$257

Dairyland

$3,136

$261

Shelter

$3,621

$302

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What Is SR-22 in Arkansas?

SR-22 is not a type of insurance policy. It is a mandated certificate of financial responsibility filed after committing certain traffic violations. These include:

  • DUI or other severe driving violations
  • Multiple driving violations in a short period of time
  • Being in an accident without proper insurance
  • Driving without insurance

Additionally, SR-22 is required to reinstate a revoked or suspended license. How long you need an SR-22 in Arkansas ranges from one to five years, depending on the severity of your offense, with repeat offenses leading to longer filing periods.

Your insurance provider will file an SR-22 form on your behalf. This can cause your rates to increase since you’re considered a high-risk driver if you have to file this form.

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After you’ve fulfilled the obligations of your financial responsibility requirement in Arkansas, your insurance provider must file a Financial Responsibility Cancellation Form. This informs the state that you have completed the necessary terms and your mandatory SR-22 filing period is over.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Arkansas

Consider these companies for the cheapest SR-22 non-owner car insurance in Arkansas:

If you have a military background, USAA offers the lowest average rate at $305 per year.

Non-owner drivers might be required to file SR-22 depending on the circumstances. For instance, if their licenses were suspended or they have serious traffic violations on their driving record such as a DUI. Below, we listed the most affordable options for SR-22 non-owner car insurance in Arkansas, with premiums ranging from $305 to $782 per year.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$262

$22

State Farm

$284

$24

GEICO

$304

$25

State Farm

$324

$27

Progressive

$375

$31

Auto-Owners Insurance Co

$394

$33

Travelers

$426

$36

Farmers

$427

$36

GEICO

$438

$37

Travelers

$569

$47

Farmers

$614

$51

Nationwide

$625

$52

Progressive

$723

$60

Nationwide

$782

$65

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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance offers liability coverage for third-party property damage or bodily injury if you are at fault in an accident. It’s a good option for rideshare drivers, renters, professional drivers and those who need to file an SR-22 form but don’t own a car themselves. Typically, non-owner car insurance is cheaper than standard auto insurance. Browse our recommendations for cheap non-owner car insurance in Arkansas to find the best deal for your budget.

Average Cost of SR-22 Car Insurance in Arkansas

For a driver with a DUI, the average cost of SR-22 car insurance in Arkansas is $583 per year for minimum coverage and $1,378 per year for full coverage. Keep in mind that you might also be required to file SR-22 for other traffic violations, such as speeding or at-fault accidents.

Having driving offenses on your record can significantly impact your premiums because you are considered riskier to insure than those with clean records.

Driving Record
Annual Premium
Monthly Premium

Ticket

$618

$51

Clean

$1,140

$95

Ticket

$1,232

$103

Ticket

$1,492

$124

DUI

$583

$49

At-Fault Accident

$732

$61

Clean

$852

$71

DUI

$1,297

$108

Clean

$384

$32

At-Fault Accident

$1,398

$117

At-Fault Accident

$611

$51

DUI

$711

$59

At-Fault Accident

$624

$52

Clean

$371

$31

Clean

$474

$39

DUI

$574

$48

Ticket

$518

$43

At-Fault Accident

$1,737

$145

DUI

$1,378

$115

Ticket

$1,171

$98

Ticket

$513

$43

Clean

$932

$78

At-Fault Accident

$1,440

$120

DUI

$1,693

$141

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It’s crucial to compare insurance rates every year or when renewing your SR-22 coverage in Arkansas. Doing so can help you ensure you’re still getting the cheapest price and the best deal for your budget.

How SR-22 Affects Car Insurance Rates in Arkansas

It’s important to remember that an SR-22 alone doesn’t impact auto insurance costs. However, those who need to file the form often experience a premium increase due to factors such as the severity of the driving offense, location and driving history. In Arkansas, for instance, minimum coverage auto insurance rates increase by $178 after a DUI charge.

Typically, filing an SR-22 is necessary for situations such as driving under the influence, driving without adequate insurance or committing repeated traffic violations.

Car Insurance Rate Comparison Based on Driving Records in Arkansas

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$405
accident2
After a DUI

Annual Premium for Minimum Coverage

$583
Car insurance premiums after a DUI are on average: :$178 more

This is 44% more expensive.

Other Effects of SR-22 on Car Insurance in Arkansas

Aside from higher premiums, filing an SR-22 in Arkansas can have other effects on your auto insurance, such as limited insurance options and possible policy cancellation. We explored some of these consequences below.

1

Limited number of insurance options

Insurance companies consider you to be a high-risk driver if you have an SR-22. As a result, the number of insurers willing to provide coverage for you will likely be fewer than the options for drivers with clean records.

2

Possible policy cancellation

In some cases, your insurance provider may drop you or cancel your policy. This can depend on the severity of your driving offense that necessitated filing an SR-22.

3

Length of required filing

In Arkansas, you must maintain an SR-22 for one to five years, depending on the severity of your offense. Repeat offenses requiring longer filing periods.

4

Filing fees

You may need to pay a one-time SR-22 filing fee charged in some states, which can range from $15 to $50.

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How to Get SR-22 Insurance in Arkansas

After you get a severe driving violation, you need to follow the following steps to file an SR-22 form if your current insurer won’t do it for you:

  1. Find an insurance company that provides coverage for drivers with violations on their records.
  2. Purchase a car insurance policy that meets the minimum liability requirements in Arkansas.
  3. Ask your insurance provider to file an SR-22 form on your behalf as proof of financial responsibility.
  4. Pay any necessary fees and keep your SR-22 form up to date.
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ARKANSAS LICENSE REINSTATEMENT FEE

The cost of reinstating your driver’s license after an SR-22 varies by state and often ranges from $75 to $150. It’s worth noting that this fee is subject to change, so it’s vital to check with your local DMV for the most current information.

How to Get Cheaper Car Insurance in Arkansas After a DUI

Having a DUI on your driving record can dramatically increase your car insurance rates. Fortunately, it’s possible to lower your total costs by following these steps:

  • find icon

    Compare quotes immediately

    To get affordable car insurance in Arkansas after a DUI, it’s critical to compare rates from multiple providers. Every insurer has its own underwriting criteria and risk assessments, so rates vary. By comparing quotes, you can find a provider that offers coverage that aligns with your budget.

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    Complete DUI classes or programs

    Some states require drivers with DUI convictions to complete DUI classes or programs before their licenses can be reinstated. These programs offer strategies to help you drive safely in the future. They may also serve as proof of your commitment to becoming a safer driver. Completing a DUI program can potentially make you eligible for lower insurance rates.

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    Look for discounts

    Many car insurance companies provide discount opportunities to eligible policyholders. For instance, you might qualify for a discount by taking a defensive driving course or installing a tracking device. As always, check with your insurer to see if you’re eligible for any discounts.

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    Practice safe driving

    Practicing safe driving is one of the most effective ways to obtain affordable car insurance after a DUI. Avoid getting any more driving violations, such as speeding tickets or reckless driving, and follow all traffic laws. Demonstrating safe driving habits can show insurance providers that you’re a responsible driver, which may result in lower premiums.

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    Shop rates over time

    Even after finding affordable car insurance, it’s advisable to compare options periodically to find a better deal. As your driving record improves and you continue to exhibit safe driving behaviors, you may become eligible for lower rates with other insurers.

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MONEYGEEK EXPERT TIP

Another insurance product worth considering for high-risk drivers is non-standard auto insurance. This type of policy is designed for drivers considered too high-risk to be covered by standard policies, including those who have had multiple accidents or been convicted of DUIs. It’s worth noting that non-standard auto insurance is more expensive since there’s a higher risk for claims.

Frequently Asked Questions About SR-22 Insurance in Arkansas

We answered some of the most commonly asked questions about SR-22 insurance in Arkansas to help you find the best option for your needs.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.