Elijah Black

Lead Insurance Writer

Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

Lead Insurance Writer

Rachael Brennan

Licensed Auto Insurance Agent

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Licensed Auto Insurance Agent

UPDATED: Dec 4, 2023

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What is Arkansas SR-22 Car Insurance?

Arkansas SR-22 insurance is a form that proves financial responsibility for either a vehicle owner or someone driving a vehicle in the State of Arkansas. For motorists who file an Arkansas SR-22 insurance form, it is an important piece of documentation proving that they hold continuous liability coverage in the event of an accident. An insurance company, on behalf of the motorist with the Arkansas Department of Motor Vehicles and the State of Arkansas, will file this form.

Six major factors affect car insurance rates in Arkansas. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a AR DUI.

Who Needs SR-22 Car Insurance in Arkansas?

Motorists who are considered “high risk” need to file an Arkansas SR-22 auto insurance form. Such motorists are those who would have DUIs, multiple speeding infractions, reckless driving or have been found to have inferior driving skills. Additionally, those who have any safety responsibility or unsatisfied judgment suspensions, or those who have revocations of license will also need Arkansas SR-22 insurance. As well, motorists who have had their licenses revoked or any insurance suspensions will need this insurance, also.

Are There Different Types of Arkansas SR-22 Forms?

Yes. In the State of Arkansas, there is first the Owner’s Certificate, which is coverage for those who do own vehicles. Also, there is the Operator’s Certificate, which would cover those who do not own a vehicle.

Is SR-22 Car Insurance Required in Arkansas?

Arkansas State Law mandates that all drivers carry at least $25,000 worth of liability coverage in the event of an accident that injures or causes the death of one person, $50,000 for two, and $25,000 for property damage. For those who have any of the above conditions, obtaining the Arkansas SR-22 insurance form would be required for a minimum of 36 months, but may be required for the maximum of 5 years. If no violations occur during that time frame, the requirement may be removed.

How Do I File an Arkansas SR-22 Car Insurance Form?

Those who need to file will want to look for an insurance carrier that is authorized by the State of Arkansas to obtain an SR-22 filing. Though there may be a small fee for this, it will often vary from carrier to carrier. Many times this fee is included in the first premium. Fill out the form here to obtain an Arkansas SR-22 auto insurance quote today!