Cheapest SR-22 Car Insurance in Arkansas (2024)

An SR-22 is not a car insurance policy but a certificate of financial responsibility for drivers with certain violations like DUI or serious traffic offenses in Arkansas. It's filed by either the individual or their insurance company to prove that they have the state minimum coverage. While the SR-22 form itself doesn't raise your rates, the infractions leading to its requirement often do.

For those seeking affordable liability-only SR-22 coverage, State Farm offers the most competitive rate at $369 annually. A close second is Southern Farm Bureau, with an annual premium of $372.

Drivers in need of the cheapest non-owner car insurance with an SR-22 in Arkansas can turn to State Farm for an annual rate of $324. Another affordable option is Auto-Owners, with a yearly premium of $394.

The cheapest companies for minimum coverage SR-22 car insurance in Arkansas are:

• State Farm: $31 per month, $369 per year
• Southern Farm Bureau: $31 per month, $372 per year

The least expensive providers for full coverage SR-22 insurance in Arkansas are:

• Southern Farm Bureau: $79 per month, $947 per year
• State Farm: $87 per month, $1,042 per year

After a moving violation, your car insurance rates are likely to rise as you're seen as a higher risk. Nonetheless, affordable SR-22 car insurance is still within reach. By comparing quotes from various insurers, you can find a plan that fits your budget, whether you need minimum coverage auto insurance or full coverage car insurance.

The companies with the cheapest non-owner SR-22 insurance in Arkansas are:

• State Farm: $27 per month, $324 per year
• Auto-Owners: $33 per month, $394 per year

Non-owner car insurance can fulfill the state minimum coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This is often necessary following license suspension, revocation or serious traffic offenses.

For residents required to file an SR-22, it's crucial to find the most affordable non-owner car insurance to maintain compliance without overpaying.

An SR-22 is a form that proves you carry the state minimum auto insurance. In Arkansas, either you or your insurance company files it after certain traffic violations. You must maintain an SR-22 for three years from the date of your most recent conviction, or the date that a judgment has been rendered against you by a court. If your SR-22 is canceled, terminated, or lapsed, your insurance provider must notify the Arkansas Public Safety Department.

An SR-22 insurance verifies that you have the minimum car insurance requirements in Arkansas, which are:

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

If you don't own a vehicle, you'll need SR-22 non-owner car insurance. Remember, an insurance card is not a replacement for an SR-22 form.

Arkansas drivers who've faced serious traffic violations, such as DUI or driving without insurance, may need to file an SR-22. This form proves you have minimum coverage auto insurance, which is necessary to keep your driver's license.

Typically, either you or your insurance company must submit this document. If you've had a license suspension, an SR-22 is also required for reinstatement. The state mandates that this proof of insurance be maintained for three years. A list of specific convictions that trigger the need for an SR-22 will be detailed separately for your convenience.

An SR-22 in Arkansas can lead to more than just steeper premiums and fewer insurance choices. You may find insurers unwilling to cover you, or they might cancel your policy after you file an SR-22. It's key to keep your insurance active without breaks. Any gap can reset the three-year clock for your SR-22 requirement in Arkansas.

Understanding the consequences of not filing an SR-22 is important to avoid legal issues and maintain your driving privileges.

Below is the list of how an SR-22 negatively impacts your car insurance:

The average cost of SR-22 car insurance for drivers with a DUI is $1,726 for full coverage and $698 for state minimum. In comparison, drivers with a clean record pay $1,245 for full coverage and $490 for state minimum. This shows the impact of a DUI on car insurance premiums in Arkansas. The severity of your offense significantly affects your premiums. It's not the SR-22 certificate that raises your rates but the violations associated with it.

Repeat offenders or those with severe violations may face policy non-renewal or higher rates at renewal. An SR-22 certificate is typically required for three years. During this period, you must maintain minimum liability coverage of 25/50/25. This ensures you meet the state's insurance requirements while the SR-22 is in effect.

Filing an SR-22 in Arkansas is mandatory for drivers with serious traffic violations. Non-compliance can lead to further license suspension and legal repercussions. Minimum coverage of 25/50/25 is required for three years.

Here are the steps to file an SR-22 in Arkansas:

If your SR-22 in Arkansas lapses, your driving privileges may be re-suspended. You need SR-22 to show you have minimum coverage auto insurance after certain violations. Your insurer must notify the state if your SR-22 ends.

A DUI on your record can lead to higher car insurance premiums, but affordable coverage is still within reach. For instance, a 30 to 59-year-old with a clean driving record might pay an annual premium of $485 for state minimum coverage, but that jumps to $689 with a DUI.

That's a monthly difference from $40 to $57. Drivers in Arkansas needing an SR-22 can still find competitive rates by comparing insurers.

Finding affordable SR-22 car insurance in Arkansas can be a challenge. Get answers to your questions about securing cost-effective coverage here.