Cheapest SR-22 Car Insurance in Arkansas (2024)

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.

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

• State Farm: $266 per year
• Hanover: $319 per year

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.

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.

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

• State Farm: $324 per year
• Auto-Owners Insurance Co: $394 per year

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.

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.

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.

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.

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.

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:

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.