Arkansas SR-22 Insurance After DUI & Violations
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After a ViolationArkansas 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
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arkansas
Drivers convicted of DUI, involved in at-fault accidents while uninsured, or caught driving with a suspended license typically face SR-22 filing requirements from the Arkansas Department of Finance and Administration. The SR-22 filing demonstrates continuous coverage to reinstate driving privileges and maintain legal status. For high-risk drivers, carrying only state minimums leaves significant financial exposure—a single accident can exceed these limits quickly.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Arkansas
$277–$336/mo
Typical monthly rate in Arkansas, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Type of violation: DUI convictions increase rates more than speeding tickets or lapses
- Age and gender: younger male drivers with violations face the highest premiums in Arkansas
- Driving record beyond the SR-22 trigger: additional tickets or accidents compound rate increases
- Credit score: Arkansas allows credit-based insurance scoring, which heavily impacts high-risk premiums
- Carrier choice: non-standard insurers vary widely in Arkansas—some specialize in DUI drivers, others in lapsed coverage, so comparing 3–5 quotes is essential
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
SR-22 is a certificate proving continuous liability coverage, filed by your insurer with the state. You must carry it for 3 years in Arkansas without any lapses, or your license suspends and the period restarts.
Liability Insurance
Covers injuries and property damage you cause to others in an accident. Arkansas minimums are 25/50/25, but higher limits protect you from personal liability if you cause a serious crash during your SR-22 period.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, suspensions, or multiple violations. Non-standard carriers underwrite risk differently and will issue policies when standard insurers decline or non-renew.
Full Coverage
Combines liability, collision, and comprehensive to protect both your liability and your vehicle. Required by lenders and recommended if your car's value exceeds $5,000.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance. Not required in Arkansas, but protects you from financial loss caused by another driver's violation.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders and valuable if you drive a newer or financed vehicle during your high-risk period.