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If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.

It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential.

The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.

In Arkansas, GEICO offers the most affordable SR-22 insurance policies at $1,095 per year and Travelers at $1,287 per year.

Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.

What is an SR-22?

An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).

An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.

Key Takeaways

  • SR-22 car insurance in Arkansas costs $1,618, on average.
  • GEICO offers the cheapest SR-22 insurance policies in Arkansas at $1,095 per year.
  • SR-22 insurance isn’t a separate policy, but a form your insurance company files to with the state DMV to prove you have the required minimum coverage.

Do I need to buy SR-22 insurance in Arkansas?

As mentioned earlier, an SR-22 isn’t an insurance policy; it’s a form your insurance company files with your state’s DMV. This form informs the state that you still carry the minimum required insurance despite certain driving offenses on your record. The filing fee is generally inexpensive, though insurance with an SR-22 can be costly.

Examples of offenses that might require an SR-22:

  • DUI, DWI or other serious moving violations
  • Reckless driving
  • Accidents resulting in suspension or revocation
  • Accumulation of too many driving violation points
  • Driving without insurance

If you have any of these offenses on your record, you may need an SR-22. Once you buy an insurance plan that meets your state’s requirements, request your insurer to file the SR-22 form with the DMV.

You usually need to keep an SR-22 for at least three years. Failing to do so could lead to a license suspension.

Average SR-22 car insurance cost in Arkansas

The average cost of SR-22 car insurance in Arkansas is $1,618.

This is $603 higher than in New Hampshire, which has the cheapest SR-22 insurance.

However, it’s also $2,423 less expensive than in Michigan, the most expensive state for SR-22 insurance.

The cost of SR-22 insurance depends on several factors, such as why you need the SR-22, your driving history, and where you live.

Our agents make it hassle-free to get the right quote.

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Cheapest SR-22 insurance companies in Arkansas

Insurance rates usually increase if you have an SR-22. But not all insurance companies have the same rates for people with an SR-22. The companies listed below have some of the lowest rates available in Arkansas.

CompanyAverage annual premiumAverage monthly premium
GEICO$1,095 $91
Travelers$1,287 $107
Nationwide$1,450 $121
State Farm$1,527 $127
Auto Club Enterprises (AAA)$1,599 $133
Auto-Owners$1,911 $159
Farmers$1,917 $160
Progressive$1,926 $161
Allstate$2,385 $199
USAA*$1,084 $90
*USAA is only available to military community members and their families.
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Cheap SR-22 insurance in Arkansas by city

As mentioned earlier, where you live can also make a big difference in the cost of SR-22 insurance. Below, you’ll find the cheapest rates for SR-22 insurance for most cities in Arkansas.

CityAverage annual premium
Elkins$918
Fayetteville$918
West Memphis$1,089
Little Rock$1,095
Sherwood$1,124
Newport$1,124
Jacksonville$1,124
Hot Springs$1,125
El Dorado$1,197
Hope$1,233
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SR-22 insurance requirements in Arkansas

The Arkansas DMV requires all drivers to meet the following minimum requirements for car insurance coverage:

  • $25,000 for injury/death per person
  • $50,000 for injury/death per accident
  • $25,000 for damage to property per accident

These are just the minimum requirements. Experts advise drivers to get more than the minimum insurance. It may lead to a higher premium, but the extra coverage could be well worth it.

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

Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.

Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.

CompanySR-22 with 1 DUISR-22 Filing only
GEICO$1,317 $1,095
State Farm$1,655 $1,527
Travelers$2,007 $1,287
Progressive$2,296 $1,926
Farmers$2,600 $1,917
Auto Club Enterprises (AAA)$2,744 $1,599
Allstate$3,018 $2,385
Auto-Owners$3,814 $1,911
Nationwide$4,246 $1,450
USAA*$2,077 $1,084
*USAA is only available to military community members and their families.
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How to get the cheapest SR-22 insurance in Arkansas

If you need an SR-22 in Arkansas, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.

First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.

Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

  • Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
  • Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
  • Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Non-owner SR-22 insurance in Arkansas

Another term that’s sometimes used when talking about SR-22 is “non-owner SR-22 insurance.” This usually refers to liability insurance for people who don’t own a car but need to reinstate their license after it is suspended or revoked. This is often a requirement after a DUI, DWI, or several moving violations.

Non-owner insurance provides secondary coverage when driving cars you don’t own, such as a vehicle you borrow or rent.

If you find yourself regularly driving a borrowed or rented vehicle, you should probably apply for a non-owner insurance policy. These policies have certain benefits, like costing less than traditional insurance.

Read more about how non-owners car insurance works in Arkansas

Who needs SR-22 insurance?

Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.

For instance, if you have a DUI on your record, the state will require you to prove that you have enough insurance to be financially responsible.

Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney who has experience with traffic laws.

How long do you need SR-22 insurance in Arkansas?

You typically need to maintain an SR-22 for three years.

In some cases, the time you need to maintain an SR-22 could be longer or shorter. The length of the SR-22 period will depend on your driving history and how serious the offense is.

The bottom line on SR-22 in Arkansas

The average SR-22 insurance rate in Arkansas is $1,618, while the average cost of car insurance in Arkansas is $1,483. This means SR-22 insurance in Arkansas costs $135 more per year.

Keep in mind that there are numerous factors that affect the auto insurance premiums.

expert

What our expert says

Q: How can you save on SR-22 insurance?

expert-image
Sebastian HovCEO, 18 Insurance.
“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

author image
Bob Haegele
Contributing Researcher

 
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Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.

Compare SR-22 insurance rates with other states

Alabama$1,702/Year
Alaska$1,419/Year
Arizona$1,916/Year
California$2,238/Year
Colorado$2,177/Year
Connecticut$1,654/Year
Florida$3,288/Year
Georgia$1,795/Year
Hawaii$1,523/Year
Idaho$1,115/Year
Illinois$1,380/Year
Indiana$1,418/Year
Iowa$1,363/Year
Kansas$1,581/Year
Louisiana$3,390/Year
Maine$1,141/Year
Maryland$2,020/Year
Massachusetts$1,900/Year
Michigan$4,041/Year
Mississippi$1,502/Year
Missouri$2,504/Year
Montana$1,966/Year
Nebraska$2,001/Year
Nevada$2,632/Year
New Hampshire$1,015/Year
New Jersey$2,370/Year
North Dakota$1,315/Year
Ohio$1,240/Year
Oregon$1,653/Year
Rhode Island$1,887/Year
South Carolina$1,998/Year
South Dakota$1,681/Year
Tennessee$1,458/Year
Texas$2,113/Year
Utah$1,816/Year
Vermont$1,140/Year
Virginia$1,343/Year
Washington$1,473/Year
Washington, D.C.$2,065/Year
West Virginia$1,520/Year
Wisconsin$1,738/Year
Wyoming$1,808/Year
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