If an SR-22 is required in order for you to get car insurance in Arkansas, you aren't alone. This relatively common legal requirement is often needed after a violation such as a DUI, a ticket for driving without insurance, an at-fault accident, a citation for driving with a suspended license, or accumulating too many points on your license.
Getting cheap coverage with a SR-22 in Arkansas might not be easy, but it's worth the trouble. We explored how much money a SR-22 certificate usually costs in Arkansas and how to get one — let's dive into the details.
How much does an SR-22 cost in Arkansas?
Car insurance with an SR-22 in Arkansas can be expensive. This isn't a direct result of the SR-22 itself — filing fees might be just $15 to $35 — but because of the insurance rate increases affiliated with the issue that necessitated the SR-22 to begin with.
Insurance companies charge risky drivers higher premiums to account for the increased risk of having to pay out a claim after a collision. The price increase you could face depends on the severity and number of the citations — below are typical insurance prices with an SR-22 certificate in Arkansas.
ARKANSAS CAR INSURANCE RATES BY CITATION
| Rating factor | Average yearly rate | Increase vs. no violations |
| No violations | $1,698 | — |
| At-fault collision (>$2,000) | $2,573 | $876 |
| Speeding (21-25 mph > limit) | $2,213 | $515 |
| Reckless driving | $2,467 | $769 |
| Racing | $2,616 | $918 |
| Hit-and-run | $2,616 | $918 |
| DUI/DWI | $2,371 | $673 |
If you want inexpensive car insurance with a SR-22, we are ready to help. Enter your ZIP below to receive personalized car insurance rates from popular companies.
How to get an SR-22 in Arkansas
Already insured
With an active insurance policy, obtaining an SR-22 is relatively easy. Contact your insurance company ask the company to file a SR-22 request for you. If your current insurance company declines to file for an SR-22, you'll need to look for a new car insurance company.Uninsured?
When applying for car insurance, you may 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 might disqualify you from purchasing insurance from some carriers, while others will sell you a policy.If you don't own a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to get a certificate. If you don't own a car, you should purchase a non-owners insurance policy before requesting an SR-22. Non-owners car insurance is usually cheaper than a standard policy since it doesn't cover physical damage to your vehicle.Our methodology
The Zebra conducted comprehensive analysis through our proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra examined nearly 53 million rates to examine trends related to specific auto insurance rating 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 auto insurance rates.