Cheapest SR-22 Car Insurance in Arkansas: 2026 Rates and Requirements

Travelers offers the cheapest SR-22 car insurance in Arkansas at $78/month. Compare SR-22 rates, requirements, and top providers to find your best option.

Written by Mark Fitzpatrick

Updated: April 23, 2026

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Key Takeaways

Travelers is the cheapest SR-22 car insurance provider in Arkansas at $78 per month for minimum coverage.

Arkansas drivers with a DUI pay an average of $71 per month for state minimum SR-22 coverage, $22 more than a clean-record driver who pays $49 per month.

Arkansas requires most drivers to carry an SR-22 certificate for three years. Insurers charge a one-time filing fee of $15 to $25, separate from the $100 state reinstatement fee.

Cheapest SR-22 Insurance in Arkansas

Arkansas SR-22 filing runs through the Department of Finance and Administration (DFA), one of the few states where a financial agency, not a law enforcement or motor vehicle agency, oversees the process. On cost, Travelers leads at $78 per month for minimum coverage, $28 below GEICO's $106 per month. Arkansas's clean-record minimum coverage average is $49 per month, so Travelers' SR-22 rate runs 59% above that baseline.

Travelers' $78 per month is the entry point for Arkansas SR-22 drivers reinstating after a standard violation. Its full coverage rate of $155 per month also leads the comparison for drivers with a lender requirement. Arkansas allows credit-based pricing, so drivers whose credit dropped alongside their driving record will pay above the rates shown here. Additional options are available at car insurance for drivers with bad credit.


Travelers	$78	$155	37%
GEICO	$106	$228	11%
Progressive	$127	$313	18%
Allstate	$131	$252	3%
Nationwide	$133	$310	19%

Cheapest SR-22 by Violation in Arkansas

Hatfield is the most affordable city for SR-22 insurance in Arkansas at $43 per month through Farm Bureau, while Little Rock reaches $75 per month, a $32 monthly gap. Farm Bureau leads as the cheapest provider in every Arkansas city in this analysis. Drivers can compare clean-record rates through cheapest car insurance in Arkansas once the SR-22 requirement ends, as well as Arkansas DUI car insurance and car insurance after a DUI for additional guidance on reducing costs.

Data filtered by:


Drivers With Hit-And-Run Accident	Travelers	$80	$157	33%
Drivers With Hit-And-Run Accident	Farm Bureau	$60	$131	46%

Cheapest SR-22 Insurance in Arkansas by City

Hatfield is the most affordable city for SR-22 insurance in Arkansas at $43 per month for minimum coverage, while Little Rock is the most expensive at $75 per month, a $32 monthly spread. Farm Bureau leads as the cheapest company across all four Arkansas cities analyzed, including Conway where it averages $64 per month for minimum coverage. Drivers looking to compare all their options once their SR-22 period ends should also review cheapest car insurance in Arkansas for standard market rates.


Hatfield	Farm Bureau	$43	$112	47%
Mountainburg	Farm Bureau	$44	$117	45%
Conway	Farm Bureau	$64	$128	38%
Little Rock	Farm Bureau	$75	$152	40%

Best SR-22 Insurance Companies in Arkansas

Farm Bureau ranks first in MoneyGeek's Arkansas SR-22 analysis with a score of 4.65 and a perfect affordability score of 5.0 out of 5, the right choice for drivers who can access it and need the lowest possible rate to reinstate their license. As a regional insurer, Farm Bureau isn't available everywhere, as drivers outside its service area should compare Travelers, which ranks second overall (4.63) and leads on customer experience at 4.85 out of 5. Drivers can review best car insurance in Arkansas and best car insurance companies nationwide.


Farm Bureau	4.65	5	2.5	4.66
Travelers	4.63	4.64	3.93	4.85
Shelter Insurance	4.45	4.47	4.47	4.41
Progressive	4.3	4.04	4.82	4.66
Auto Owners	4.26	4.03	3.4	5

Top Pick for Cheapest SR-22 Rates in Arkansas

Farm Bureau

Farm Bureau's affordability score of 5.0 out of 5 is the highest in MoneyGeek's Arkansas SR-22 analysis, and its rates across violation categories range from $54 per month for senior suspension to $73 per month for young drivers with a suspension. Its NAIC complaint ratio of 0.42 is well below the national average of 1.0. Farm Bureau holds an AM Best A (Excellent) financial strength rating.

Top Pick for Customer Experience SR-22

Travelers

Travelers' customer experience score of 4.85 out of 5 is the highest in MoneyGeek's Arkansas SR-22 analysis, and its $78 per month minimum coverage rate is the lowest among nationally available providers in this comparison. Its NAIC complaint ratio of 0.55 is below the national average of 1.0. Travelers holds an AM Best A++ (Superior) financial strength rating.

How Much Is SR-22 Insurance in Arkansas?

Arkansas has an unusual violation rate structure, with at-fault accidents ($72 per month) edge out DUI ($71 per month) as the highest-cost violation category, a $1 monthly difference that makes them effectively tied. Both sit $22 to $23 per month above the $49 clean-record baseline. Texting while driving adds $12 per month and speeding adds $11 per month. Drivers can estimate their specific costs using the average cost of car insurance in Arkansas and the car insurance calculator Arkansas.

Data filtered by:


At Fault Accident ($1000-$1999 Prop Dmg)	State Minimum Liability Only	72	860	+$23/mo
DUI - BAC >= .08	State Minimum Liability Only	71	853	+$22/mo
Texting While Driving	State Minimum Liability Only	61	728	+$12/mo
Speeding 11-15 MPH over limit	State Minimum Liability Only	60	717	+$11/mo

SR-22 FILING FEE IN ARKANSAS

Arkansas insurers charge a one-time filing fee to submit your SR-22 to the Arkansas Department of Finance and Administration (DFA). Fees typically run $15 to $25. This fee is separate from your insurance premium and from the DFA reinstatement fee, which varies by violation type.

Arkansas SR-22 Insurance Requirements

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with the Arkansas Department of Finance and Administration (DFA) to verify you carry the state's required minimum liability coverage. Arkansas requires drivers to maintain an SR-22 for three years following a serious violation such as a DUI, reckless driving conviction, driving without insurance, or a license suspension. Arkansas does not use an FR-44 certificate.

If your coverage lapses, your insurer notifies the DFA immediately and your license is suspended with no grace period. To reinstate, you must pay a $100 reinstatement fee to the DFA and file a new SR-22, and the three-year requirement clock restarts from scratch. Drivers who have had prior lapses should review car insurance after a lapse in coverage to understand how gaps affect future premiums.

Arkansas Minimum Liability Limits

Arkansas law requires all drivers, including those filing an SR-22, to carry at least the following minimum liability coverage limits.

$25,000 Bodily Injury Per Person

Covers up to $25,000 in medical expenses or lost wages for a single person injured in an accident you cause.

$50,000 Bodily Injury Per Accident

Covers up to $50,000 total for all people injured in a single accident you are found responsible for causing.

$25,000 Property Damage

Covers up to $25,000 in damage you cause to another person's vehicle or property. Arkansas's 25/50/25 limits are on par with many states but below the nationally recommended threshold of 100/300/100 for adequate protection.

SR-22 Filing Types in Arkansas

Arkansas issues two types of SR-22 certificates depending on whether the driver owns the vehicle they are insuring.

Owners Certificate

Filed for drivers who own the vehicle they are insuring. This is the standard SR-22 attached to your personal auto policy and covers the named vehicle.

Operators Certificate

Non-owner SR-22 for drivers who do not own a vehicle. Filed with the Arkansas Department of Finance and Administration (DFA). Learn more about non-owner SR-22 insurance and non-owner car insurance in Arkansas.

SR-22 Fees, Lapse Rules, and Filing Process

Arkansas's $100 reinstatement fee is a flat rate regardless of violation type, which is simpler than a tiered structure but still a meaningful cost on top of restarting the three-year clock.

SR-22 Filing Fee

$15 to $25, one-time fee charged by the insurer at policy inception. Separate from your premium and the state reinstatement fee.

Coverage Lapse Consequences

License suspended immediately with no grace period. The three-year SR-22 clock restarts from scratch. A new SR-22 plus the $100 reinstatement fee is required before your license can be reinstated.

Filing Process

Your insurer files electronically with the Arkansas Department of Finance and Administration (DFA). Submission takes 24 to 48 hours and the DFA confirms receipt within three to five business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers have denied you coverage, you may qualify for the Arkansas Automobile Insurance Plan (AAIP), which provides state minimum liability coverage (25/50/25) as a last resort. Apply through any licensed Arkansas insurance agent. AAIP rates are higher than voluntary market rates. For more options, see low-income car insurance in Arkansas.

SR-22 Insurance in Arkansas: Bottom Line

Farm Bureau ranks first overall in Arkansas and offers the lowest rates in the state, but it isn't available to every driver. Travelers is the strongest nationally available option at $78 per month and leads on customer experience. Before the SR-22 period ends, confirm with your insurer that the certificate has been cancelled and request written confirmation from the DFA that your filing obligation is complete. Once it clears, compare standard rates through cheapest car insurance in Arkansas

Frequently Asked Questions About SR-22 Insurance in Arkansas

What is an SR-22 and who needs one in Arkansas?

An SR-22 is a certificate of financial responsibility that your insurance company files with the Arkansas Department of Finance and Administration (DFA) to prove you carry the state's required minimum liability coverage. Arkansas drivers need an SR-22 after a DUI conviction, reckless driving charge, driving without insurance, or a license suspension. The SR-22 is not a separate insurance policy but a filing attached to your existing auto policy. Most Arkansas drivers must maintain the SR-22 for three years.

How much does SR-22 insurance cost for a DUI in Arkansas?

Arkansas drivers with a DUI (BAC of 0.08 or higher) pay an average of $71 per month for state minimum liability coverage under an SR-22 requirement. That is approximately $22 more per month than a driver with a clean record, reflecting the elevated risk associated with impaired driving convictions. Rates vary by insurer. Travelers offers competitive DUI SR-22 rates in Arkansas.

How long do I need to carry an SR-22 in Arkansas?

Most Arkansas drivers are required to maintain an SR-22 certificate for three years from the date of the triggering violation or license suspension. If your coverage lapses at any point during that period, your insurer must notify the DFA, your license will be suspended immediately, and the three-year clock restarts from the beginning. Keeping your policy active and your SR-22 on file continuously throughout the entire required period is critical to avoiding additional penalties.

Does Arkansas allow insurers to use credit scores when setting SR-22 rates?

Yes, Arkansas allows insurance companies to use credit-based insurance scores as a rating factor when determining premiums, including for SR-22 drivers. A driver with poor credit will generally pay more than a driver with good credit, even if both have the same violation on record. This differs from states like California, Hawaii, and Massachusetts, which prohibit the use of credit scores in auto insurance pricing. Improving your credit score over time can help lower your premiums once your SR-22 period ends.

How much does an SR-22 filing cost in Arkansas?

Arkansas insurers charge a one-time SR-22 filing fee of $15 to $25 at the start of your policy, separate from your monthly premium. Drivers reinstating a suspended license must also pay a $100 reinstatement fee directly to the DFA. If coverage lapses and you must re-file, both fees apply again.

What should I do if Arkansas insurers deny me SR-22 coverage?

If two or more standard market insurers have denied you coverage, you may be eligible for the Arkansas Automobile Insurance Plan (AAIP), the state's assigned risk pool. The AAIP provides state minimum liability coverage (25/50/25) as a last resort for drivers who cannot get insurance in the voluntary market. To apply, contact any licensed Arkansas insurance agent; they are required by law to help you with an AAIP application. AAIP rates are higher than those available in the standard market, so continue shopping standard insurers periodically.

MoneyGeek analyzed SR-22 insurance rates from Quadrant Information Services across Arkansas cities and violation types. SR-22 rates reflect coverage for drivers with suspended licenses or serious violations including DUIs, speeding convictions, and at-fault accidents.

Clean record baseline rates reflect a 40-year-old male driver with a clean driving record, good credit, and a 2012 Toyota Camry LE driving 12,000 miles annually. Coverage levels analyzed: state minimum liability (25/50/25) and full coverage (100/300/100 with $1,000 deductible). Learn more about our methodology.

This page was last updated in 2025 and reflects SR-22 insurance rates and Arkansas regulatory requirements current as of the most recent data available from Quadrant Information Services.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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