Updated March 2026
State Requirements
Arkansas requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers with DUI convictions, license suspensions for violations, or uninsured accident involvement must file SR-22 proof of insurance with the Arkansas Office of Driver Services for 3 years. These minimums are often insufficient for high-risk drivers facing rate increases, as non-standard carriers may require higher limits to write coverage.
Cost Overview
High-risk auto insurance in Arkansas costs substantially more than standard coverage due to non-standard carrier underwriting and elevated claim risk. Average premiums for drivers with SR-22 requirements range from $2,400–$4,800 annually based on available industry data, with DUI convictions and at-fault accidents pushing rates to the higher end. Rates typically decrease 20–40% after 3 years of violation-free driving once the SR-22 filing period ends and you can re-enter the standard market.
What Affects Your Rate
- Violation type and severity (DUI increases rates 80–150%, while multiple speeding tickets add 40–80%)
- Time since offense (rates decrease as violations age beyond 3 years)
- Number of incidents on driving record (multiple violations compound rate increases)
- SR-22 filing duration remaining (rates may improve after filing requirement ends)
- Non-standard carrier availability in Arkansas (fewer competitors mean less rate negotiation)
- Vehicle type and value (higher-value vehicles increase collision and comprehensive premiums for high-risk drivers)
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Coverage Options
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Frequently Asked Questions
Sources
- Arkansas Office of Driver Services — SR-22 Requirements and Filing
- Arkansas Department of Insurance — Minimum Coverage Requirements
- Arkansas Code Title 27 — Motor Vehicle and Traffic Laws