Home Car insurance SR-22 insurance: What is it and how does it work? Cheapest SR-22 insurance in Arkansas Cheapest SR-22 insurance in Arkansas The cheapest SR-22 insurance policies in Arkansas are offered by GEICO, at $1,095 a year, and Travelers, at $1,287 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Bob Haegele Bob Haegele 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. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Expert insight from Sebastian Hov Sebastian Hov CEO, 18 Insurance.Go to comment | Updated on: October 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 TakeawaysSR-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 violationsReckless drivingAccidents resulting in suspension or revocationAccumulation of too many driving violation pointsDriving without insuranceIf 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 ArkansasThe 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. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Cheapest SR-22 insurance companies in ArkansasInsurance 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 premiumGEICO$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.Powered by: You might find interesting Arkansas car insurance calculatorAverage car insurance cost in ArkansasCar insurance calculator for teens in ArkansasDo you need insurance to register a car in Arkansas?How much is gap insurance in ArkansasLow-cost car insurance in ArkansasNon-owner auto insurance in Arkansas: Which company has the cheapest rates?The best, cheapest car insurance in ArkansasBest and cheapest companies for home and auto bundles in Arkansas Cheap SR-22 insurance in Arkansas by cityAs 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 premiumElkins$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 Powered by:SR-22 insurance requirements in ArkansasThe 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 accidentThese 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 onlyGEICO$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.Powered by:How to get the cheapest SR-22 insurance in ArkansasIf 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 ArkansasAnother 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 ArkansasThe 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.What our expert says Q: How can you save on SR-22 insurance? 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 MethodologySources:Shouse Law Group. “SR22 Arkansas.” Accessed October 2025.Progressive Insurance. “What is an SR-22?” Accessed October 2025.MethodologyInsure.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. Bob HaegeleContributing Researcher | . .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 statesAlabama$1,702/YearAlaska$1,419/YearArizona$1,916/YearCalifornia$2,238/YearColorado$2,177/YearConnecticut$1,654/YearFlorida$3,288/YearGeorgia$1,795/YearHawaii$1,523/YearIdaho$1,115/YearIllinois$1,380/YearIndiana$1,418/YearIowa$1,363/YearKansas$1,581/YearLouisiana$3,390/YearMaine$1,141/YearMaryland$2,020/YearMassachusetts$1,900/YearMichigan$4,041/YearMississippi$1,502/YearMissouri$2,504/YearMontana$1,966/YearNebraska$2,001/YearNevada$2,632/YearNew Hampshire$1,015/YearNew Jersey$2,370/YearNorth Dakota$1,315/YearOhio$1,240/YearOregon$1,653/YearRhode Island$1,887/YearSouth Carolina$1,998/YearSouth Dakota$1,681/YearTennessee$1,458/YearTexas$2,113/YearUtah$1,816/YearVermont$1,140/YearVirginia$1,343/YearWashington$1,473/YearWashington, D.C.$2,065/YearWest Virginia$1,520/YearWisconsin$1,738/YearWyoming$1,808/YearShow more In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page What is an SR-22?Do I need to buy SR-22 insurance in Arkansas?Average SR-22 car insurance cost in ArkansasCheapest SR-22 insurance companies in ArkansasCheap SR-22 insurance in Arkansas by citySR-22 insurance requirements in ArkansasHow much does SR-22 in Arkansas cost with a DUI?How to get the cheapest SR-22 insurance in ArkansasNon-owner SR-22 insurance in ArkansasWho needs SR-22 insurance?How long do you need SR-22 insurance in Arkansas?The bottom line on SR-22 in ArkansasWhat our expert saysResources and Methodology ZIP Code Please enter valid ZIP See rates (844) 645-3330