Cheapest SR-22 Car Insurance in Arkansas

Hanover offers the cheapest SR-22 insurance in Arkansas at $32 monthly for minimum coverage, 48% less than the state average of $61. Southern Farm Bureau is the most affordable for full coverage at $88.

State Farm offers Arkansas's cheapest non-owner SR-22 insurance at $27 monthly or $324 annually. Non-owner insurance is a great option if you need to meet state minimum coverage requirements but don't own a car. 

The table below shows providers and their average costs for minimum coverage.

Arkansas' average cost of car insurance for drivers with an SR-22 is $728 annually for minimum coverage, 41% more than the $517 average for drivers with clean records.

SR-22 drivers face an average annual cost of $1,831 for full coverage, while clean-record drivers pay around $1,319. This is a 39% increase for those with an SR-22.

Having an SR-22 form doesn't raise your insurance rate by itself. The type of violation determines the cost. The table below compares SR-22 insurance prices for common violations across age groups in Arkansas.

An SR-22 is a form proving you have minimum coverage. In Arkansas, drivers with certain violations must file an SR-22 to reinstate their license. Insurers view these drivers as high-risk, leading to higher premiums.

An SR-22, also known as an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a form your insurer files to show you have enough coverage. This ensures you meet the reinstatement requirements under Arkansas's Financial Responsibility law.

Drivers in Arkansas need an SR-22 for up to three years after serious traffic violations. This form shows you meet the state's minimum coverage requirements. To meet SR-22 laws, you must have these liability limits:

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

In Arkansas, SR-22 certificates are usually required for three years.

SR-22 drivers in Arkansas must follow specific rules to stay compliant with the state’s minimum coverage laws for three years:

• Fees: Regaining driving privileges requires paying a fee and proving liability coverage with an SR-22 form.
• Policy cancellation: Filing an SR-22 may lead your insurer to cancel or not renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the SR-22 period. Any lapse triggers a state notification, which can result in penalties or license suspension.
• Relocation: If you move out of state, contact your insurer to arrange an out-of-state filing.
• Cancellation: After three years, your insurer should notify Arkansas officials that you’ve met the SR-22 requirement and cancel the filing.

To reinstate your license after a serious violation, keep your SR-22 coverage active throughout the required period. If you don't have insurance, you'll need an SR-22 quote. Finding SR-22 insurance can be more challenging than for drivers with clean records, as insurers may cancel your policy or deny coverage once you file.

High-risk drivers in Arkansas may find fewer companies offering coverage, often leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers those who drive frequently but don't own a vehicle, ensuring financial protection when driving someone else's car. It's perfect for renters or rideshare drivers, covering third-party injuries or property damage in an at-fault accident.

This policy is also more affordable than standard insurance. Compare quotes from different insurers to find the best rates. Once you purchase a non-owner policy, your insurer can file an SR-22 form to help you comply with state laws, enabling your license to be reinstated after up to three years.

Arkansas drivers with severe offenses need an SR-22 to prove state minimum coverage. It's required for three years or more for repeat or serious issues. Although SR-22 rates are usually higher, some cheap car insurance providers in Arkansas cater to impacted drivers.

Below are frequently asked questions about SR-22 certifications in Arkansas:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for drivers of various profiles and needs in Arkansas.

Arkansas Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Arkansas' minimum coverage requirements, with the following limits:

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

For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.