SR-22 in Arkansas: What You Need to Know

In Arkansas, your insurer needs to file an SR-22 form on your behalf to reinstate your driver’s license after a major driving violation.
Written by Jason Tushinski
Reviewed by Kathleen Flear
, 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

What is an SR-22 in Arkansas?

In Arkansas, an
SR-22 certificate
reinstate your driver’s license
after it’s been revoked or
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 car insurance
. The state’s mandated
minimum insurance requirements
are as follows:
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 your car 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
, 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:

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
, 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 certificates
in 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.

How much does it cost?

Depending on your insurer, your car insurance with SR-22 coverage will cost roughly
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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