Arkansas SR-22 Insurance After DUI or Suspension
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Arkansas 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
Minimum Coverage Requirements in Arkansas
Drivers with DUI convictions, suspensions for uninsured accidents, multiple violations, or lapses in coverage typically must file SR-22 certificates with the Arkansas Department of Finance and Administration to prove continuous coverage. SR-22 filing requirements generally last 3 years from the reinstatement date, and any lapse triggers license re-suspension and restarts the clock.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
What Drivers Pay in Arkansas
$226–$347/mo
Typical monthly rate in Arkansas, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Time since violation: rates begin improving after 12 months of clean driving and drop substantially at the 3-year mark when SR-22 ends
- Carrier type: non-standard insurers charge higher rates during SR-22 but standard carriers may compete aggressively once the filing requirement ends
- Coverage level: increasing liability limits or adding comprehensive can paradoxically lower rates with some carriers by signaling financial responsibility
- Credit score: Arkansas allows insurers to use credit-based insurance scores, which can significantly impact high-risk premiums
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If 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
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Arkansas requires 25/50/25 minimums, but these limits are often insufficient for serious accidents involving multiple vehicles or injuries.
Full Coverage
Combines liability, collision, and comprehensive into a complete protection package. Required by lenders and strongly recommended for drivers with financed vehicles or significant assets to protect.
SR-22 Insurance
A state-mandated certificate proving you carry continuous liability coverage, filed electronically by your insurer with the Arkansas Department of Finance and Administration. The filing itself costs $15–$35, but premiums are elevated due to your high-risk classification.
Uninsured Motorist Coverage
Protects you if an uninsured or underinsured driver causes an accident and cannot pay for your injuries or vehicle damage. Arkansas law requires insurers to offer this coverage, though drivers can reject it in writing.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, hail, fire, and animal strikes. Optional unless required by a lender, but valuable in Arkansas due to severe weather and high wildlife collision rates in rural areas.
Collision Coverage
Covers damage to your vehicle in an at-fault accident or single-vehicle crash, regardless of fault. Typically required by lenders and recommended for vehicles worth more than $3,000–$5,000.