Cheap Arkansas SR22 Insurance: Rates & Facts
Arkansas SR22 Insurance: Compare Lowest Prices & Basic Info
SR22 insurance is a high risk insurance that many states require of DUI / DWI offenders. Arkansas does not require SR22 insurance after a DWI.
However, if you get a DWI in Arkansas, and you then move to another state, you may be required to purchase SR22 insurance to satisfy the requirements in that state. Likewise, if you get a DWI / DUI in another state, and you live in Arkansas, you may need to carry SR22 insurance to fulfill the requirements in the state where the incident happened.
If you are convicted of a DWI and it is your first or second offense, the court may order you to install an ignition interlock device (IID) in your vehicle. If it is your third or subsequent DWI, the court will order you to install an IID in your vehicle. You will be restricted to interlock driving for one year from the date of your driver’s license reinstatement.
Below, we will cover all the typical and cheapest sr22 insurance rates in Arkansas based on through research. It covers rates by city (liablity and full coverage), cheapest carriers by city
SR-22 Insurance Rates in Arkansas – by City (Liability Only)
Following are average monthly rates for sr22 insurance in Arkansas based on a typical driver profile. Further on we’ll explore sample rates for those with full coverage.
|Hot Springs Village||$92.00|
|North Little Rock||$103.00|
|Heber Springs and Farmington||$106.00|
SR-22 Insurance Rates in Arkansas – by City (full coverage)
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.
|Hot Springs Village||$151|
|North Little Rock||$147|
SR-22 Insurance Rates By Carrier in Arkansas – Liability Only
The following demonstrates rates based on our methodology of an average driver with an SR22.
|Company||SR22 Liability (average)|
|Mendota Ins. Company||$104.00|
Other local/national brokers/agents offering SR22 insurance in Arkansas include: Freeway Insurance, The General, Campbell Company, Root, and others.
Cheapest SR-22 Insurance Companies in Arkansas, by City
The following comanies offer specialized support for SR-22 filings. Note that many companies do not offer SR-22 because they are considered high risk.
|Prairie Grove||Liberty Mutual|
|Siloam Springs||Liberty Mutual|
|Pine Bluff||The General|
|Mountain Home||The General|
|Heber Springs and Farmington||The General|
|Van Buren||Liberty Mutual|
|Hot Springs Village||National General|
|North Little Rock||Geico|
|Pea Ridge||The General|
|White Hall||The General|
|El Dorado||The General|
|Bella Vista||The General|
Cheapest SR-22 Insurance Companies in Arkansas, Overall (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.
|Company||SR22 Full Coverage (average)|
|Mendota Ins. Company||$190.00|
Companies That Offer SR-22 Insurance in Arkansas
Filling out our quote form will get you the fastest quotes from many or the insurance carriers below since they are not “captive” meaning they sell most of their policies through brokers and independant agents.
|Mendota Ins. Company||yes|
Who is Required to Carry SR22 Car Insurance in Arkansas?
In Arkansas, drivers who are considered high risk may need to file an SR-22 auto insurance form, also known as a Certificate of Financial Responsibility. Such drivers include those who have committed a driving violation and have had their license suspended. You could need an Arkansas SR22 insurance policy for the following reasons:
- Conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Reckless or dangerous driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
Even if you don’t have a car and you wish to drive in Arkansas but have an SR-22 requirement, you’ll need a non-owner SR-22 insurance policy. You will have to check with your insurance provider about non-owner or an operator insurance policy.
Arkansas Insurance SR22 – Non-Owners (No Vehicle)
If you do not own a vehicle, you can purchase a Named Operator policy or Non-Owners policy. This will insure the named insured for the minimum liability requirements by law, and you can add the SR-22 attachment to that policy, which will inform the state of the insurance.
How do Arkansas SR-22 Insurance Rates Compare with Regular Insurance Rates?
If you are required to have an SR-22 insurance policy, your auto insurance rates may increase because you’re considered a high-risk or non-standard driver. However, the cost of car insurance can vary from company to company and by state. Additional factors that go into the cost of SR22 insurance include your age, gender, location, credit score, vehicle type, marital status, and so on.
One of the most common reasons drivers need SR22 insurance is because of a DUI. On average, drivers with one DUI conviction in Arkansas pay $1,714 per year for car insurance. That’s 53 percent more than car insurance for a driver with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from
At SR22 Insurance, we have a 5 step quote process to streamline your search and make things easier for you. https://sr22insurance.net/sr22-insurance-quotes/
All you have to do is input specific details and we will generate your quotation right there and then. Our form will guide you through the process. You’ll get your quote fast.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
Non-Owner SR22 Insurance in Arkansas
SR22 insurance is a special liability insurance that many states require of certain “high-risk” drivers. Arkansas only requires SR22 insurance of someone who has been convicted of vehicular homicide.
What if you don’t own a car, truck or motorcycle and need SR22 insurance? Non owner SR22 insurance Arkansas is a financial responsibility certificate you’ll file to reinstate your license. It insures only one person with liability-only coverage when driving a non-owned vehicle. If you’re at fault in an accident, it will pay claims made by the other party, after the vehicle owner’s insurance has reached its coverage limits.
SR-22 Limits in Arkansas
All drivers in Arkansas must have liability coverage. An SR-22 form verifies to Arkansas that you have at least the minimum amount of liability car insurance coverage required in Arkansas. If you need Arkansas SR22 insurance, you need to have at least the following liability coverage and limits:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
What Happens if I Fail to Maintain my SR-22?
- Failure to maintain proof of financial responsibility will result in your insurance company sending an SR-26 to the state advising that your policy is canceled.
- This will result in your driving privilege being suspended again, and
- the period for which you will need to provide SR-22s will start from zero again.
For example, you are notified that your driving privilege has been suspended until you file an SR-22, and you will have to prove financial responsibility for three years following the initial filing. You cause an SR-22 to be submitted and, because you failed to pay an installment on your premium, your policy has been canceled after six months. An SR-24 gets filed and your driving privilege is again suspended until you prove financial responsibility. You get another policy and SR-22 issued. You will have to keep filing SR-22s for three years after the second SR-22 is filed.
DUI and SR-22 in 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.
State Insurance Requirements In Arkansas
The minimum liability requirements are as follows:
- $25,000 per person for bodily injury
- $50,000 per occurrence
- $25,000 for property damage.
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