SR-22 in Arkansas: What You Need to Know

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  • What is it?
  • Who needs it?
  • How to get it?
  • The cost?
  • Insurance implications
  • Cheap insurance
In Arkansas, after being convicted of a serious driving violation, you’ll need your insurance provider to file an SR-22 form on your behalf if you plan on driving again. This “proof of insurance” guarantees that you meet the state’s required car insurance minimums.
If you need an SR-22 form to drive, your car insurance premiums will go up—but that doesn’t mean your insurance costs will become untenable.
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To learn all you need to know about SR-22 certificates in Arkansas, keep reading!
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What is an SR-22 in Arkansas?

In Arkansas, an SR-22 certificate is required to reinstate your driver’s license after it’s been revoked or suspended due to a serious traffic offense.
Filed by your insurer, the SR-22 offers a “proof of insurance”, guaranteeing that you meet or exceed Arkansas’ minimum liability requirements.
Drivers in Arkansas are required to carry liability coverage. The state’s mandated minimum insurance requirements are as follows:
  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage coverage per accident
In Arkansas, SR-22 certificates are required for three to five years. The term of the SR-22 is determined by the Arkansas DMV, depending on the seriousness of the conviction.
If you fail to renew an insurance policy with SR-22 coverage on time in Arkansas, or if your coverage lapses for any reason, your insurer will notify Arkansas’ DMV.
At this point, your SR-22 probation period will reset, and you’ll have to begin the process again, not to mention you will have to pay all those SR-22 fees a second time.
Key Takeaway With SR-22 coverage, be sure to pay your premiums on time every month, or your term will be reset.

Who needs SR-22 in Arkansas?

If a driver in Arkansas has their license revoked or suspended for any of the following reasons (amongst others), they will need their insurance company to submit an SR-22 form on their behalf to drive legally again:
  • DUI conviction
  • Hit and run
  • Reckless driving

How to get an SR-22 certificate in Arkansas

You’ll need to follow these steps if you need an SR-22 form filed on your behalf.

Find an insurer

Many insurers that won’t file SR-22 forms, as drivers requiring one tend to be labeled high-risk, meaning they’re considered more likely to file a claim. If your current insurer refuses to issue an SR-22 form for you, you’ll have to find a provider that will.
Do your research and find an insurer that files SR-22 certificatesin Arkansas.

Pay the SR-22 fee

Once you find an insurer to file an SR-22 on your behalf, pay the fee so the form can be processed and filed on time. In Arkansas, filing fees range from about $15 to $25.

Verify minimum liability coverage

Before your insurer will file your SR-22 form, you’ll need to buy liability coverage that meets or exceeds Arkansas’ state requirements.

Submit your SR-22

Once your fee is paid, your insurer will file your SR-22 with the Arkansas DMV. When the application is confirmed, your insurer will notify you by mail that your SR-22 form has been accepted.
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How much does it cost?

Depending on your insurer, your car insurance with SR-22 coverage will cost roughly 13% (or roughly $80) more in Arkansas than standard, minimum car insurance.
Of course, your premiums will also depend on several other factors, including your personal profile, age, driving history, location, and a host of other factors.
Key Takeaway Each insurance carrier uses a different formula to set premiums, so shop around to ensure you find a policy with SR-22 coverage at a decent price.

How an SR-22 impacts your insurance in Arkansas

Your insurance premiums will be higher than average for as long as you need SR-22 coverage on your policy.
But, if you finish your SR-22 term without committing any other driving violations, your insurance premiums will decrease once your probation term ends.
Even though you’ll be temporarily dealing with higher premiums, those costs can be eased by shopping around for the best rate amongst carriers offering SR-22 coverage.
Key Takeaway If your insurance has SR-22 coverage, be prepared to pay higher rates than you would with standard car insurance.

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