- Reasons You May Be Required to Carry SR22 Insurance in Arkansas
- How Long is SR22 Required in Arkansas?
- Cost for SR22 Insurance in Arkansas (Liability Only)
- SR22 Insurance in Arkansas for Drivers Without a Vehicle – Affordable Non-Owner Coverage Options
- Which Companies offer SR22 Insurance Arkansas?
- SR22 Insurance Arkansas Rates by Carrier (Liability Only)
- Who has the lowest price on SR22 Insurance Arkansas
- DUI and SR22 Insurance in Arkansas: Coverage and Costs
- Cost for SR-22 Insurance (full coverage) in Arkansas
- State Insurance Requirements in Arkansas
- SR22 Insurance Arkansas Rates By Carrier (full coverage)
- Best Home and Auto Insurance Policies for New Homeowners
- Frequently Asked Questions about SR22 Insurance in Arkansas
- What is SR22 Insurance in Arkansas?
- How does SR22 Insurance affect my rates in Arkansas?
- Questions about SR22 Insurance in Arkansas? Call us at 1.888.445.2793.
- What We Do at A Plus Insurance
Reasons You May Be Required to Carry SR22 Insurance in Arkansas
SR22 insurance in Arkansas is not a separate policy, but rather a certificate proving that you meet the state’s minimum liability insurance requirements. If your driving privileges have been suspended or revoked, you may be required to file an SR22 with the Arkansas Department of Motor Vehicles to get back on the road legally.
Common Reasons You May Need SR22 Insurance
- DUI or DWI Conviction – If you were caught driving under the influence, Arkansas law requires you to carry SR22 insurance for a specific period.
- Reckless Driving – Driving in a way that endangers others can lead to an SR22 requirement.
- Driving Without Insurance – If you were caught driving without the state’s required liability insurance, you may need to file an SR22.
- License Suspension or Revocation – If your license was suspended due to multiple violations, an SR22 may be required to reinstate it.
- Too Many Traffic Offenses – Accumulating too many speeding tickets or moving violations in a short period can result in the need for SR22 filing.
How to Get SR22 Insurance in Arkansas
If you need SR22 insurance, we can help you find an affordable policy that meets Arkansas state requirements. Call today or get a free online quote to compare the best SR22 rates available.
Rate Comparison Table for SR22 Insurance in Arkansas:
| Insurance Carrier | Estimated Monthly Rate | Coverage Type |
|---|---|---|
| Progressive | $45 | Full Coverage |
| Dairyland | $50 | Liability Only |
| National General | $55 | Full Coverage |
Remember, these rates are estimates and can vary based on your driving history, the city you reside in, and other factors.
Key Reasons for SR22 Requirement:
- DUI or DWI offenses
- Reckless driving incidents
- Accumulation of excessive traffic violations
- At-fault accidents without adequate insurance
Navigating the SR22 insurance landscape in Arkansas doesn’t have to be overwhelming. By understanding the requirements and comparing rates from reputable carriers like Progressive, Dairyland, and National General, you’re on your way to making an informed choice that aligns with your needs and budget.
How Long is SR22 Required in Arkansas?
If you’re required to carry SR22 insurance in Arkansas, it’s important to understand how long this requirement lasts. In most cases, the state mandates SR22 filing for three years from the date your driving privileges are reinstated.
Key Factors That Affect SR22 Duration
- Standard Requirement – Arkansas typically requires SR22 insurance for three years after reinstatement.
- Continuous Coverage – Your SR22 policy must remain active with no lapses. If it is canceled or expires, the three-year period may reset.
- Severity of Violation – In some cases, serious violations like multiple DUIs may lead to a longer SR22 requirement period.
What Happens If You Let Your SR22 Lapse?
If your SR22 coverage lapses at any time:
- The insurance company notifies the Arkansas DMV, which can result in license suspension.
- You may have to restart the SR22 filing period from the beginning.
- You could face additional fines or penalties.
Need SR22 Insurance in Arkansas?
If you’re required to file an SR22, we can help you find affordable SR22 insurance that meets Arkansas state requirements. Call today or get a free online quote in minutes.
Maintaining Your SR22 Insurance in Arkansas:
- Continuous Coverage: Essential to avoid restarting the three-year requirement.
- Timely Payments: Ensuring your policy remains active and in good standing.
- Regular Communication with Your Insurer: Keeping them informed of any changes in your driving status or personal information.
The three-year term serves as a probationary period to demonstrate responsible driving and insurance management. It’s crucial to partner with a reliable insurance carrier that offers SR22 Insurance in Arkansas and understands the importance of keeping your policy active for the required duration.
Cost for SR22 Insurance in Arkansas (Liability Only)
Below is the average cost for Liability Insurance with an SR-22 filing. You can add additional coverages to your liability policy, such as Uninsured Motorist and Medical payments, which are optional State coverages.
| City | Price |
|---|---|
| Monticello | $94.00 |
| Arkadelphia | $105.00 |
| Blytheville | $93.00 |
| Hope | $99.00 |
| East End | $103.00 |
| Malvern | $110.00 |
| Walnut Ridge | $99.00 |
| Pea Ridge | $105.00 |
| Cabot | $94.00 |
| Marion | $100.00 |
| Cherokee Village | $97.00 |
| Greenbrier | $100.00 |
| Ward | $95.00 |
| White Hall | $96.00 |
| Morrilton | $104.00 |
| Mountain Home | $92.00 |
| Wynne | $93.00 |
| Lowell | $99.00 |
| Benton | $87.00 |
| Maumelle | $99.00 |
| Clarksville | $104.00 |
| De Queen | $89.00 |
| Springdale | $104.00 |
| Hot Springs | $87.00 |
| Texarkana | $87.00 |
| Dardanelle | $89.00 |
| Piney | $90.00 |
| Beebe | $99.00 |
| Bryant | $105.00 |
| Pine Bluff | $90.00 |
| Forrest City | $94.00 |
| Prairie Grove | $88.00 |
| Osceola | $108.00 |
| Barling | $92.00 |
| Harrison | $90.00 |
| Vilonia | $102.00 |
| Helena-West Helena | $96.00 |
| Hot Springs Village | $92.00 |
| Warren | $108.00 |
| North Little Rock | $103.00 |
| Russellville | $106.00 |
| Berryville | $88.00 |
| Jonesboro | $92.00 |
| Bella Vista | $91.00 |
| Fort Smith | $88.00 |
| Magnolia | $107.00 |
| Centerton | $94.00 |
| West Memphis | $88.00 |
| Rogers | $90.00 |
| Stuttgart | $102.00 |
| Rockwell | $97.00 |
| Fayetteville | $92.00 |
| Siloam Springs | $101.00 |
| Paragould | $110.00 |
| Heber Springs and Farmington | $106.00 |
| Sheridan | $95.00 |
| Haskell | $89.00 |
| Greenwood | $93.00 |
| Trumann | $110.00 |
| Conway | $99.00 |
| Alma | $91.00 |
| Mena | $109.00 |
| El Dorado | $96.00 |
| Batesville | $92.00 |
SR22 Insurance in Arkansas for Drivers Without a Vehicle – Affordable Non-Owner Coverage Options
Need SR22 insurance in Arkansas but don’t own a car? A non-owner SR22 policy is the solution. This type of SR22 insurance allows you to meet state requirements and legally drive without insuring a specific vehicle.
What is Non-Owner SR22 Insurance?
Non-owner SR22 insurance is a liability-only policy designed for drivers who don’t own a car but still need proof of insurance. It’s typically required for:
- Drivers with a suspended license who need SR22 filing for reinstatement.
- Individuals who frequently rent or borrow vehicles but don’t own one.
- Drivers required by the court or DMV to carry SR22 insurance in Arkansas.
How Does Non-Owner SR22 Insurance Work?
- Covers liability for injuries or damages you cause while driving a borrowed or rental vehicle.
- Does not cover the car you’re driving—only damage or injury to others.
- Usually cheaper than standard SR22 car insurance since it excludes comprehensive or collision coverage.
Who Needs Non-Owner SR22 Insurance in Arkansas?
- Drivers with a DUI, reckless driving, or multiple violations.
- Individuals looking to reinstate their license without owning a vehicle.
- Drivers who regularly rent or borrow cars.
How to Get Non-Owner SR22 Insurance in Arkansas
Getting cheap non-owner SR22 insurance is easy:
- Get a Free Quote – Compare rates from multiple Arkansas insurance providers.
- File SR22 with the State – Your insurance company submits the SR22 to the Arkansas DMV.
- Maintain Continuous Coverage – Keep your policy active to avoid penalties or a reset of your required filing period.
Get Affordable Non-Owner SR22 Insurance Today
Need affordable non-owner SR22 insurance in Arkansas? We can help! Contact us for a free quote and get back on the road legally.
Rate Comparison Table for Non-Owner SR22 Insurance in Arkansas:
| Insurance Carrier | Estimated Monthly Rate | Policy Type |
|---|---|---|
| Progressive | $35 | Non-Owner |
| Dairyland | $40 | Non-Owner |
| The General | $45 | Non-Owner |
These rates are approximate and will vary based on personal circumstances and the specifics of your driving record.
Situations Where Non-Owner SR22 Insurance Is Required:
- Need to fulfill SR22 requirements but don’t own a car
- Frequently rent vehicles or use car-sharing services
- Wish to maintain continuous insurance coverage for future premium advantages
Non-owner SR22 Insurance in Arkansas is a smart and cost-effective solution for maintaining legal driving status without the burden of vehicle ownership. It’s particularly advantageous for those looking to keep insurance costs low while ensuring they stay compliant with state insurance requirements.
Which Companies offer SR22 Insurance Arkansas?
Navigating through the requirements for SR22 Insurance in Arkansas? It’s crucial to choose a provider that not only offers this specific type of insurance but also understands the unique state regulations. Various reputable insurance carriers in Arkansas are ready to assist, ensuring you can quickly meet the state’s SR22 filing requirements.
Underline: SR22 Insurance in Arkansas is available from a variety of trusted insurance companies, each offering competitive rates and tailored policies to help you regain your driving privileges efficiently.
List of Companies Offering Non-Owner SR22 Insurance in Arkansas:
- Progressive – Known for competitive pricing and excellent customer service.
- Dairyland – Offers affordable SR22 options with flexible payment plans.
- The General – A go-to for drivers requiring immediate SR22 filings.
- National General – Provides comprehensive coverage options alongside SR22 filings.
- Bristol West – Specializes in high-risk driver policies, including SR22 insurance.
- Mendota – Catering to those needing SR22 alongside additional risk coverage.
- Suncoast – Offers detailed SR22 policy guidance for Arkansas drivers.
Each of these companies provides SR22 insurance with varying rates and coverage levels, ensuring you can find a policy that suits your needs and budget. Whether you’re seeking to reinstate your driving privileges or maintain continuous coverage, these providers stand ready to assist with your SR22 requirements in Arkansas.
| Company | SR22 Offered |
|---|---|
| GAINSCO | yes |
| Bristol West | yes |
| Farmers | yes |
| Acceptance RTR | yes |
| Geico | yes |
| Mendota Ins. Company | yes |
| Progressive Insurance | Yes |
| Dairyland | yes |
| National General | yes |
| AssuranceAmerica | yes |
SR22 Insurance Arkansas Rates by Carrier (Liability Only)
Looking for SR22 insurance in Arkansas? Understanding how rates vary by insurance carrier can help you find the cheapest SR22 insurance policy while meeting state requirements.
What is SR22 Insurance?
An SR22 is not a separate insurance policy—it’s a certificate of financial responsibility that your insurance provider files with the Arkansas DMV. You can add an SR22 to a liability-only or full coverage policy, depending on your needs.
How Much Does SR22 Insurance Cost in Arkansas?
The cost of SR22 insurance in Arkansas depends on several factors:
Liability-only vs. full coverage
Your driving history (DUIs, reckless driving, multiple violations)
Age and location
Your insurance carrier
| Company | SR22 Liability (average) |
|---|---|
| Progressive Insurance | $86.00 |
| National General | $80.00 |
| Bristol West | $106.00 |
| Acceptance RTR | $69.00 |
| Liberty Mutual | $83.00 |
| AssuranceAmerica | $119.00 |
| GAINSCO | $101.00 |
| Dairyland | $60.00 |
| Mendota Ins. Company | $104.00 |
| Geico | $97.00 |
| Farmers | $75.00 |
Who has the lowest price on SR22 Insurance Arkansas
Many of the Insurance companies listed below specialize in SR-22 filings and are able to offer a cheaper price than other companies.
| City | Price |
|---|---|
| Pocahontas | Progressive |
| Prairie Grove | Liberty Mutual |
| Siloam Springs | Liberty Mutual |
| Harrison | The General |
| Clarksville | Geico |
| Sheridan | Progressive |
| Wynne | Bristol West |
| Alma | Geico |
| Pine Bluff | The General |
| Mountain Home | The General |
| Helena-West Helena | Progressive |
| Bentonville | Geico |
| Greenbrier | Geico |
| Centerton | Progressive |
| Mena | Geico |
| Walnut Ridge | Progressive |
| Beebe | Geico |
| Ward | The General |
| Texarkana | Dairyland* |
| Lowell | Progressive |
| Piney | Liberty Mutual |
| Paragould | The General |
| Russellville | Geico |
| Dardanelle | The General |
| Cherokee Village | Geico |
| Jonesboro | The General |
| Rockwell | The General |
| Jacksonville | Dairyland* |
| Heber Springs and Farmington | The General |
| Conway | Liberty Mutual |
| Van Buren | Liberty Mutual |
| Hot Springs Village | National General |
| Barling | The General |
| Crossett | Geico |
| Trumann | The General |
| Forrest City | Geico |
| Vilonia | Bristol West |
| Cabot | Dairyland* |
| East End | Progressive |
| Greenwood | Liberty Mutual |
| De Queen | Progressive |
| Morrilton | Progressive |
| Osceola | Geico |
| Fayetteville | Liberty Mutual |
| North Little Rock | Geico |
| Berryville | The General |
| Pea Ridge | The General |
| Marion | National General |
| Rogers | Liberty Mutual |
| Batesville | The General |
| Malvern | The General |
| Searcy | Liberty Mutual |
| Warren | The General |
| Stuttgart | The General |
| Camden | The General |
| Hot Springs | Farmers |
| White Hall | The General |
| Blytheville | Geico |
| Gibson | Geico |
| Springdale | Farmers |
| El Dorado | The General |
| Fort Smith | Geico |
| Bella Vista | The General |
| West Memphis | Dairyland* |
| Bryant | Geico |
| Little Rock | Progressive |
| Monticello | The General |
| Hope | Progressive |
| Newport | Geico |
| Magnolia | Progressive |
| Arkadelphia | Bristol West |
| Sherwood | Progressive |
| Haskell | Progressive |
DUI and SR22 Insurance in Arkansas: Coverage and Costs
A DUI conviction in Arkansas can lead to SR22 insurance requirements, increasing your auto insurance costs. Understanding how SR22 insurance works and what to expect in terms of pricing can help you find affordable coverage while meeting state requirements.
How Long Do You Need SR22 Insurance for a DUI in Arkansas?
The duration of SR22 insurance after a DUI conviction depends on the number of offenses:
- First offense – SR22 required for 3 years
- Second offense – SR22 required for 5 years
- Third offense or more – SR22 required for up to 10 years
Failure to maintain continuous SR22 coverage can reset the required period, delaying reinstatement of your license.
How Much Does SR22 Insurance Cost After a DUI in Arkansas?
SR22 adds a filing fee to your auto insurance policy, but the real cost comes from higher premiums due to a DUI on your driving record.
Cost for SR-22 Insurance (full coverage) in Arkansas
Full coverage consists of Comprehensive and Collision. Comprehensive covers fire, theft, vandalism, glass breakage, and impact with an animal. Collision covers impact with another vehicle or object.
| City | Price |
|---|---|
| Berryville | $176 |
| Hot Springs Village | $151 |
| Trumann | $177 |
| Ward | $167 |
| Bentonville | $160 |
| Greenwood | $167 |
| Pocahontas | $169 |
| Greenbrier | $168 |
| Maumelle | $147 |
| Helena-West Helena | $182 |
| Walnut Ridge | $182 |
| Batesville | $155 |
| Prairie Grove | $180 |
| Barling | $162 |
| Newport | $177 |
| East End | $159 |
| Mountain Home | $164 |
| Searcy | $151 |
| Clarksville | $172 |
| Benton | $147 |
| Jacksonville | $154 |
| Fort Smith | $181 |
| Magnolia | $160 |
| Stuttgart | $169 |
| Gibson | $151 |
| Marion | $156 |
| Springdale | $154 |
| Paragould | $178 |
| Malvern | $168 |
| Haskell | $175 |
| Lowell | $150 |
| Rogers | $153 |
| El Dorado | $175 |
| Conway | $164 |
| Dardanelle | $170 |
| Fayetteville | $160 |
| White Hall | $146 |
| Rockwell | $160 |
| Morrilton | $146 |
| Pine Bluff | $169 |
| Van Buren | $182 |
| Centerton | $172 |
| Harrison | $174 |
| Jonesboro | $172 |
| Bryant | $155 |
| Pea Ridge | $158 |
| Piney | $154 |
| Bella Vista | $176 |
| Osceola | $157 |
| Alma | $168 |
| Blytheville | $176 |
| Sheridan | $182 |
| West Memphis | $176 |
| Hope | $164 |
| Vilonia | $163 |
| Monticello | $174 |
| Arkadelphia | $151 |
| North Little Rock | $147 |
| Warren | $162 |
| Camden | $172 |
State Insurance Requirements in Arkansas
Do you need car insurance in Arkansas? Yes! The state requires minimum liability coverage to drive legally.
What Are the Minimum Liability Insurance Requirements in Arkansas?
The Arkansas minimum liability insurance limits are:
- $25,000 per person for bodily injury
- $50,000 per accident for total bodily injury
- $25,000 for property damage
This 25/50/25 coverage ensures that if you’re at fault in an accident, your insurance will cover injuries and property damage for the other driver.
SR22 Insurance Arkansas Rates By Carrier (full coverage)
If you need full coverage and an SR-22 filing, don’t worry you can get both on the same policy! Below are rates per Carrier.
| Company | SR22 Full Coverage (average) |
|---|---|
| Dairyland | $173.00 |
| GAINSCO | $196.00 |
| Bristol West | $181.00 |
| Progressive | $172.00 |
| Liberty Mutual | $208.00 |
| Mendota Ins. Company | $190.00 |
| Acceptance RTR | $203.00 |
| Farmers | $186.00 |
| National General | $189.00 |
Best Home and Auto Insurance Policies for New Homeowners
- Progressive Home & Auto Bundle: Offering a multi-policy discount for combining both homeowners insurance and auto insurance, Progressive provides robust coverage for new homeowners. Enjoy savings on your premiums and comprehensive coverage for your home and vehicle. Call us now to learn more.
- Dairyland Full Coverage Auto with Home Protection: Dairyland offers new homeowners affordable auto insurance with the option to add affordable home insurance. Get peace of mind with customizable coverage and reliable protection for both your vehicle and property. Text Us for policy details.
- National General Homeowners and Auto Insurance: With tailored coverage for new homeowners, National General provides generous discounts when bundling home and auto insurance. This policy includes protection against property damage, liability coverage, and comprehensive vehicle protection. Call today for a personalized quote.
- The General Home & Auto Insurance for First-Time Buyers: Ideal for first-time homeowners, The General offers affordable policies with flexible payment options. Their bundle offers comprehensive homeowners insurance and full coverage auto insurance at competitive rates. Text Us to check eligibility.
- AssuranceAmerica Home & Vehicle Protection: AssuranceAmerica offers competitive pricing and personalized options for new homeowners. Benefit from full protection on both your home and vehicle with discounts available for combining policies. Call us now for a free quote.
- Bristol West Auto Insurance with Home Coverage Options: Bristol West offers comprehensive auto insurance plans tailored for new homeowners, with the option to include homeowners insurance at discounted rates. Protect your new investment and enjoy additional savings by bundling. Text Us to explore your options.
- Suncoast Homeowners and Auto Insurance Bundle: Suncoast provides coverage specifically designed for new homeowners. Save with a bundle that includes auto insurance and home coverage, ensuring protection for both your property and vehicles. Call today for more information.
Frequently Asked Questions about SR22 Insurance in Arkansas
What is SR22 Insurance in Arkansas?
SR22 Insurance in Arkansas is a certificate of financial responsibility required for individuals who have been involved in certain traffic violations or offenses. It is not an insurance policy itself but a form that verifies you have the required liability coverage. A Plus Insurance can assist you in obtaining SR22 coverage and meeting legal requirements.
How does SR22 Insurance affect my rates in Arkansas?
SR22 Insurance may lead to higher insurance rates in Arkansas due to the increased risk associated with the traffic violation that led to the requirement. However, rates can vary, and A Plus Insurance can help you find the best rates by shopping multiple carriers and exploring discounts that may be available to you.
Questions about SR22 Insurance in Arkansas? Call us at 1.888.445.2793.
If you have specific questions about SR22 Insurance in Arkansas or need assistance with the filing process, call A Plus Insurance at 1.888.445.2793. Our experienced team is here to guide you through the requirements and help you secure the coverage you need.
| Other Helpful links |
| Best Liability Insurance Arkansas |
| Arkansas Homeowners Policy |
| Progressive Insurance in Arkansas |
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Last Updated on by Brian Muse
