Arkansas SR22 Insurance Quotes & SR22 Information

• Any alcohol related moving traffic violation such as a DUI or DWI


• A Commercial motor vehicle violation


• Driving 15 MPH or more over the speed limit


• Reckless driving


• Negligent homicide


• Committing a felony using a vehicle


• Failing to carry and show proof of liability insurance


• Leaving the scene of an accident


• Evading arrest with and without the use of a motor vehicle


• Hazardous/careless or negligent driving


• Passing a stopped school bus


• Racing a motor vehicle/motorcycle on the highway


• Driving on a suspended, revoked or cancelled driver's license

This is not a complete list by any means, new laws can be passed with little information being sent to the public when it happens. For a complete list visit Arkansas Driver Services. After you follow the link you will need to scroll 3/4 of the way down the page to the heading "Regular License." Look for the bullet points under that heading for the remainder of the traffic convictions.

How many points do I have to get before my license is suspended?

Arkansas' Administrative Point System (follow the link and look under the header of "Driver's License Suspension" then to the sub-header starting with "How many points do I have...") uses a computer program to identify problem drivers that have fallen into a preset range with points being assigned for various traffic violations ranging from failure to obey a traffic signal (3 points) to reckless driving (8 points).

This point system issues a certain administrative action depending on how many points the driver has accumulated. For example, 10-13 points the driver is issued a warning letter advising the driver to be careful; at 14 or more points the driver is issued a notice advising then that the State of Arkansas is proposing a suspension of their driving privileges and that they may have an administrative hearing to discuss the proposed action against them.

Drivers that accumulate 14 to 17 points their privilege to drive may be suspended for three months; at 18 to 23 points accumulated driving privileges may be suspended for six months; and 24 or more points may be suspended for one year.

An administrative hearing is usually automatically scheduled and drivers are subject to the Hearing officer's discretion; this action against you can range from no action, to probation, or a license restriction or suspension. If the driver in question fails to appear for the hearing, driving privileges may be automatically suspended/revoked.

What happens at an administrative hearing?

At an administrative hearing you will have the opportunity to present evidence and witnesses (witnesses may need to be subpoenaed to testify on your behalf) in your favor to challenge the evidence being presented against you from the arresting officer. After all the evidence and testimonies have been presented and collected from both sides the Administrative Law Judge will render a final decision on your case in writing.

Administrative Hearing Form

Where can I find an Administrative Hearing office in Arkansas?

• Camden 135 B Jackson Street
• Phone 870-836-4581


• Conway 2125 Harkrider, Suite EE
• Phone 501-329-5056


• Fayetteville 965 S. Razorback Rd., Suite 3
• Phone 479-521-1431


• Little Rock 7th and Battery
• Phone 501-682-1631


• Forrest City 2308 N. Washington
• Phone 870-633-5971


• Fort Smith 616 Garrison, #104
• Phone 479-783-2422


• Hot Springs 118 Second, Suite L
• Phone 501-623-1239


• Jacksonville 619 N 1st St, Suite G-1 Stonewall Square
• Phone 501-982-1448


• Jonesboro 206 Southwest Drive, Suite A
• Phone 870-935-9505


• Mountain Home 511 Baker Street
• Phone 870-425-9717


• Paragould 100 N Rocking Chair #10
• Phone 870-239-9663


• Pine Bluff 2801 Olive, Suite 7D
• Phone #870-536-6793


• Russellville 325 South Denver
• Phone 479-968-1697


• Searcy 402 West Vine
• Phone 501-268-9108


• Texarkana 402 Pecan Street
• Phone 870-773-7826

What happens when I’am arrested for a DUI/DWI in Arkansas?

If convicted of a DUI/DWI the penalties might include jail time, numerous fees to pay out of pocket, having to carry a SR22 insurance policy, as well as action being taken against your license in the form of a suspension or revocation:

• 1st Offense – License suspension/revocation for 120 days


• 2nd Offense – License suspension/revocation for 24 months


• 3rd Offense – License suspension/revocation for 30 months


• 4th Offense – License suspension/revocation for 48 months and carries with it possible vehicle confiscation

All DUI/DWI offenses may require the convicted to complete an Alcohol Education and Treatment Assessment, and/or an approved Alcohol Rehabilitation Program, and you may be required to have an Ignition Interlock Device installed in your vehicle. All drivers will have to pay a $150.00 reinstatement fee unless the action against the accused is rescinded.

Once arrested the police officer will issue the driver an Official Driver’s License receipt and a Notice of Suspension/Revocation of their Driving Privileges. The arresting officer will confiscate the driver’s license and advise the driver that they will be able to continue to drive for the next 30 days provided the driver license that was confiscated is valid.

This notice will also inform the driver that they have only 7 days to request an administrative hearing, in which they will determine if the arrested driver was intoxicated, or a chemical test revealed a .08% BAC or more, or refused to comply with a FST entirely.

The driver may request a restricted permit if their motor vehicle history has no other alcohol related offenses and if their BAC was under .05% and if the driver did not refuse a test.

What if I’am involved in an accident?

Please read: A SR21 is a procedure that all drivers need to comply with when involved in an accident. The DFA of Arkansas has linked this procedure to a SR-1 form. For the purpose of being less confusing we will refer to this proceeding and the form required to be completed as a SR-1 form.

If you are involved in an accident in Arkansas, no matter who is at fault, each driver involved needs to fill out a SR-1 form if the damage to property or any one person is more than $1000, or if the accident causes an injury or death. You will need to send this SR-1 form* to the Arkansas DFA within 30 days of the accident. Or you can submit this form electronically through here.

*(After following the link, look under the blue description header and click the "Black" Safety Responsibility SR-1 link to download and print this form)

If you are a driver involved in the accident and you are injured in the accident, you will be excused during this period of injury. If you are unsure of what you should do please ask the responding police officer, if one was called, or by contacting Safety responsibility at 501-682-7098.

How do I show financial responsibility after an Accident?

Arkansas law requires the owner and driver of each motor vehicle involved to submit (file) a proof of financial responsibility with the Arkansas DFA after being involved in an accident.

The SR-1 must state that the minimum liability limits are, at least, equal to those limits required by the state of Arkansas.

There is also some additional information you may be required to show proof of:

• A Deposit of Security that has been tabulated by the DFA.


• A written and signed release of liability by the other party involved in the accident.


• A final civil adjucation (adjudication) of non-liability from a court of competent jurisdiction.


• Trial in traffic court is not an adjucation (adjudication) of non-liability. Submit a certified copy of the judgment to this Department.


• A covenant not to sue. Must be in writing, signed by the adverse party, and must be notarized.


• A written agreement, which has been accepted by the appropriate parties to the payment of damages in installments. A copy of this agreement must be filed with this Department.


• A written statement by the adverse party of his liability insurance carrier that they have reimbursed you for your property damage.


• A written request to this Department for a hearing to determine if there is a reasonable possibility that a judgment may be rendered against you as a result of the accident. If the hearing indicates such judgment does not seem likely, then the Department may not require the security deposit.


• A copy of a bankruptcy petition with a list of creditors naming all parties.
  
  (Source: Arkansas DFA then click on the blue "Click Here for Additional Information."link.)

These requirements are directly from the Arkansas DFA, I wanted you to see how they were written from the Arkansas DFA and for us not to get these requirements lost in a translation or in grammar corrections.

More information can be acquired about these insurance verification policies by emailing the manager of Safety Responsibility at julie.gaither@rev.state.ar.us.

Or by mail at:

Safety Responsibility
Ragland Building, Room 2067
1900 West Seventh Street,
Little Rock, AR. 72203

And:

Safety Responsibility
P.O. Box 1272
Little Rock, AR. 72203

What about SR22 Insurance in Arkansas?

If you are required to obtain a SR22 policy in Arkansas, you will need to carry and maintain this high-risk insurance for a minimum period of 3-years.

The SR22 insurance certificate (policy) needs to include the following items, but is not limited to these items; as different convictions will require the addition or subtraction of various required information.

• Name of issuing company


• The date the policy was created


• The actual SR22 policy number


• Effective date of the SR22 policy


• Name and current address of the person being insured


• Specify whether an owner’s or operator’s policy


• If the SR22 insurance policy is an owner’s policy, meaning you physically own the vehicle you will be driving then the following information will need to be included in that policy:

1. Model year
2. Name of manufacturer
3. Model
4. Body type
5. Vehicle Identification Number (VIN)

• If you do not own any vehicles, but still need to be able to drive another person's vehicle you can apply for what is known as a non-owner SR22 insurance policy.

And don’t forget to have a signature of an authorized representative.

The SR-22 Insurance policy will need to show proof that it covers the minimum limits of coverage:

• $25,000 bodily injury for one person in one accident


• $50,000 for two or more persons in one accident


• $25,000 property damage incurred in one accident

Once the SR22 policy has been properly written and issued, a copy will either be sent to the Arkansas DFA, or you will be required to physically take a copy to the DFA. Check with the issuing insurance company as to the preferred method of getting a copy of the SR22 to the Arkansas DFA. As any unnecessary lost time in the mail or sitting somewhere waiting to get filed is valuable time you could be getting your driving privileges reinstated.

The SR22 Insurance policy will be required by you to carry and maintain for a minimum period of 3-years. This required minimum period could be extended if the crimes you were convicted of are harsh enough to allow for such an extension.

It is extremely important for you to avoid any lapses in your SR22 insurance coverage; as the issuing insurance company is required by law to notify the Arkansas DFA if there has been any lapse in your SR22 insurance coverage.

The Arkansas DFA can suspend or even revoke your drivers license again and require you to start the required SR22 (3)-year period from the beginning again. Furthermore they (DFA) could add jail time, additional and higher fees that you will be required to pay out of pocket, and possibly take more points away from your license for not complying with the original SR22 period requirements.

If you can, pay your SR22 Insurance policy premium as far in advance as you can to avoid any additional hardships for having even a one day lapse in coverage.

Additional Arkansas Resources:

All Services Available Alphabetically

Driver Services FAQ’s

Driver Services

Online Vehicle Services Overview

Recent Law Changes in Arkansas