Arkansas SR-22 Car Insurance

The Zebra
Nov. 15, 2018

If you need an SR-22 certificate to get car insurance in Arkansas, don't worry. This relatively common insurance requirement is sometimes necessary after a driving citation such as a DUI/DWI, a citation for driving without insurance, an at-fault collision, a ticket for driving with a suspended license or amassing too many points on your license.

Finding cheap auto insurance with an SR-22 certificate in Arkansas might require some research, but it might be worthwhile. We examined how much an Arkansas SR-22 costs and how to get one — let's take a look.


Compare over 200 insurance companies at once!



How much does Arkansas SR-22 insurance cost?

SR-22 insurance in Arkansas is usually pricey. This isn't a direct result of the SR-22 itself — filing fees usually total $15 to $35 — but a product of the insurance rate increases triggered by the driving violation that made the SR-22 necessary to begin with.

Insurers charge high-risk drivers higher premiums to account for the increased chance of having to pay out a claim after a crash. The rate increase you’ll face may depend on the severity and number of citations — below are average auto insurance prices with an SR-22 certificate in Arkansas.


ARKANSAS INSURANCE RATES AFTER COMMON VIOLATIONS
High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,457.58
At-fault crash (>$2,000)$2,099.00$641.42
Speeding (21-25 mph > limit)$1,810.51$352.93
Reckless driving$2,012.26$554.68
Racing$2,247.00$789.42
Leaving the scene$2,076.99$619.41
DUI/DWI$2,080.61$623.03

If you're in need of affordable car insurance after getting a SR-22, The Zebra is ready to help. Provide your ZIP code below to get personalized auto insurance quotes from top companies.


How to acquire an SR-22 in Arkansas


Currently insured:

If you already have car insurance, obtaining an SR-22 is simple. Just call your insurer ask it to file a SR-22 request for you. If your current insurance company won't file for an SR-22, you should start the car insurance comparison shopping process.

Currently uninsured?

When applying for auto insurance, you might need to pay extra to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 certification may disqualify you from buying insurance from some companies, while others will sell you a policy.

Without a vehicle:

If you don't own a vehicle, getting an SR-22 can be difficult, as you'll need to show proof of insurance to receive the certificate. In this scenario, you should get a non-owners car insurance policy before filing for an SR-22. Non-owners auto insurance is typically less expensive than a standard policy since it doesn't cover physical damages to your vehicle.

Methodology and data sources

From September to December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra surveyed nearly 53 million premiums to identify trends related to specific car insurance pricing factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

Don't forget to share!