Arkansas SR-22 & High-Risk Auto Insurance
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
Find SR-22 Coverage NowArkansas at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$150
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$339–$347/mo
Typical monthly rate in Arkansas, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- 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)
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Restricted driving permit (separate interlock restricted license for DWI)
A restricted license is available while suspended.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Arkansas after a DUI?
Arkansas requires SR-22 filing for 3 years from the date your license is reinstated after a DUI conviction. If your insurance policy lapses at any point during those 3 years, the Arkansas Office of Driver Services suspends your license immediately and restarts the full 3-year filing period from zero when you reinstate coverage.
What happens if my SR-22 insurance lapses in Arkansas?
Your insurer notifies the Arkansas Office of Driver Services within 10 days of cancellation or lapse, your license is suspended immediately, and the 3-year SR-22 filing requirement restarts from zero. You must obtain new coverage, pay reinstatement fees, and refile SR-22 to restore driving privileges.
Can I get insurance in Arkansas with a suspended license?
Yes, but you must purchase an SR-22 policy before the Arkansas Office of Driver Services will reinstate your license. Non-standard carriers in Arkansas write policies for drivers with active suspensions, allowing you to fulfill the SR-22 filing requirement and pay reinstatement fees to restore driving privileges.
Which insurance companies offer SR-22 in Arkansas?
Non-standard carriers operating in Arkansas file SR-22 certificates electronically with the Office of Driver Services. National and regional providers specializing in high-risk coverage accept drivers with DUIs, suspensions, and multiple violations, though specific company availability varies by county and underwriting criteria.
Do I need SR-22 for a speeding ticket in Arkansas?
A single speeding ticket does not require SR-22 filing in Arkansas. However, if you accumulate 14 or more points in 36 months, the Arkansas Office of Driver Services suspends your license and requires SR-22 filing for 3 years upon reinstatement. Multiple speeding violations can also trigger this requirement.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Required by Arkansas law and for SR-22 filing, but state minimums expose you to lawsuits if damages exceed your limits.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer to prove continuous coverage. Required for 3 years in Arkansas after DUI, suspension, or uninsured accident.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you're hit by an uninsured driver. Optional in Arkansas but critical given the state's above-average uninsured driver rate.
Collision Coverage
Pays for vehicle damage from accidents regardless of fault. Required by lenders and recommended for high-risk drivers rebuilding after at-fault crashes.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and non-collision incidents. Required by lenders and often bundled with collision for full coverage policies.
Non-Standard Auto Insurance
Specialized coverage from carriers that accept high-risk profiles standard insurers decline. Available through regional and national providers operating in Arkansas with SR-22 filing capabilities.