Guide to SR22 Insurance in Arkansas: Find Your Path to Coverage

Understanding SR22 Insurance in Arkansas can be complex, but A Plus Insurance is here to simplify it for you. Contact us for a free quote and expert guidance today.

Arkansas State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form Required

Reasons you may be required to carry an SR22 Insurance Arkansas

There are several key reasons you might be required to carry SR22 Insurance in Arkansas. Whether due to driving violations or as a mandate to reinstate your driving privileges, SR22 insurance becomes a necessity for many drivers. It’s not just about having insurance; it’s about proving to the state that you meet the minimum coverage requirements.

Underline: SR22 Insurance Arkansas is often required for drivers who have experienced driving infractions such as DUIs, reckless driving, or any situation resulting in a suspended license. To get back on the road legally, securing an SR22 policy is your first step.

Rate Comparison Table for SR22 Insurance in Arkansas:

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$45Full Coverage
Dairyland$50Liability Only
National General$55Full 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.

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Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

How Long is SR-22 Required in Arkansas?

In Arkansas, if you’re required to carry an SR22 Insurance, understanding the length of this obligation is key to planning your path back to regular driving status. Typically, the state mandates drivers to maintain SR22 insurance for a period of three years from the date of reinstatement.

Underline: The duration for which SR22 Insurance in Arkansas is required hinges on adherence to continuous coverage without any lapses. Failure to maintain your SR22 policy can lead to a reset of the required period and further complications with your driving privileges.

Maintaining Your SR22 Insurance in Arkansas:

  1. Continuous Coverage: Essential to avoid restarting the three-year requirement.
  2. Timely Payments: Ensuring your policy remains active and in good standing.
  3. 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.

CityPrice
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
Cheapest Liability By City

SR22 Insurance Arkansas – No Vehicle

Securing SR22 Insurance in Arkansas even when you don’t own a vehicle is essential for reinstating your driving privileges. Non-owner SR22 insurance provides the necessary coverage without the need to insure a specific vehicle, making it an ideal option for those who still want to drive legally but don’t own a car.

Underline: SR22 Insurance Arkansas for non-owners caters to individuals who need to fulfill state SR22 requirements but aren’t car owners. This type of policy covers liability for damages or injuries you may cause while driving a borrowed or rented vehicle.

Rate Comparison Table for Non-Owner SR22 Insurance in Arkansas:

Insurance CarrierEstimated Monthly RatePolicy Type
Progressive$35Non-Owner
Dairyland$40Non-Owner
The General$45Non-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:

  1. Progressive – Known for competitive pricing and excellent customer service.
  2. Dairyland – Offers affordable SR22 options with flexible payment plans.
  3. The General – A go-to for drivers requiring immediate SR22 filings.
  4. National General – Provides comprehensive coverage options alongside SR22 filings.
  5. Bristol West – Specializes in high-risk driver policies, including SR22 insurance.
  6. Mendota – Catering to those needing SR22 alongside additional risk coverage.
  7. 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.

CompanySR22 Offered
GAINSCOyes
Bristol Westyes
Farmersyes
Acceptance RTRyes
Geicoyes
Mendota Ins. Companyyes
Progressive InsuranceYes
Dairylandyes
National Generalyes
AssuranceAmericayes
Carriers That Offer

SR22 Insurance Arkansas Rates By Carrier (liability only)

Since SR-22 Is not another type of insurance policy, just an attachment – you can carry full coverage or liability insurance on your vehicle if you choose to. You will just need to add the SR-22 attachment to that policy.

CompanySR22 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
Liability Only

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.

CityPrice
PocahontasProgressive
Prairie GroveLiberty Mutual
Siloam SpringsLiberty Mutual
HarrisonThe General
ClarksvilleGeico
SheridanProgressive
WynneBristol West
AlmaGeico
Pine BluffThe General
Mountain HomeThe General
Helena-West HelenaProgressive
BentonvilleGeico
GreenbrierGeico
CentertonProgressive
MenaGeico
Walnut RidgeProgressive
BeebeGeico
WardThe General
TexarkanaDairyland*
LowellProgressive
PineyLiberty Mutual
ParagouldThe General
RussellvilleGeico
DardanelleThe General
Cherokee VillageGeico
JonesboroThe General
RockwellThe General
JacksonvilleDairyland*
Heber Springs and FarmingtonThe General
ConwayLiberty Mutual
Van BurenLiberty Mutual
Hot Springs VillageNational General
BarlingThe General
CrossettGeico
TrumannThe General
Forrest CityGeico
ViloniaBristol West
CabotDairyland*
East EndProgressive
GreenwoodLiberty Mutual
De QueenProgressive
MorriltonProgressive
OsceolaGeico
FayettevilleLiberty Mutual
North Little RockGeico
BerryvilleThe General
Pea RidgeThe General
MarionNational General
RogersLiberty Mutual
BatesvilleThe General
MalvernThe General
SearcyLiberty Mutual
WarrenThe General
StuttgartThe General
CamdenThe General
Hot SpringsFarmers
White HallThe General
BlythevilleGeico
GibsonGeico
SpringdaleFarmers
El DoradoThe General
Fort SmithGeico
Bella VistaThe General
West MemphisDairyland*
BryantGeico
Little RockProgressive
MonticelloThe General
HopeProgressive
NewportGeico
MagnoliaProgressive
ArkadelphiaBristol West
SherwoodProgressive
HaskellProgressive
Cheapest SR22 Insurance Arkansas

DUI and SR22 Insurance Arkansas

If you are convicted of a DUI in Arkansas, chances are you will be required to carry a Certificate of Financial Responsibility, also known as SR-22.

The amount of time depends upon the number of convictions. The first conviction will require the SR-22 for 3 years, 2nd conviction will require 5 years, 3rd the conviction could be 10 years.

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.

CityPrice
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
Full Coverage By City

State Insurance Requirements In Arkansas

The minimum liability requirements are as follows; 25/50/25. This will pay for the damage you do. $25,000 per person for bodily injury, $50,000 per occurrence, and $25,000 for property damage.

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.

CompanySR22 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
Full Coverage By Carrier

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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