Updated April 2026
Minimum Coverage Requirements in Arkansas
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 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.
How Much Does Car Insurance Cost in Arkansas?
High-risk drivers in Arkansas pay significantly more for auto insurance than drivers with clean records—typically 80–250% higher depending on violation type. A DUI conviction is the most expensive violation, often pushing rates to $300–$450/mo for minimum liability with SR-22, while a single at-fault accident or suspended license violation may result in $200–$350/mo. Rates decrease gradually as time passes without new violations, with the steepest drops occurring at the 3-year and 5-year marks.
What Affects Your Rate
- Type of violation: DUI convictions increase rates more than speeding tickets or lapses
- Time since violation: rates drop approximately 10–15% each year without new incidents
- 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
Compare Auto Insurance Rates in Arkansas
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Sources
- Arkansas Department of Finance and Administration - Driver Services
- Arkansas Insurance Department - Minimum Coverage Requirements
- Arkansas Code Title 27 - Motor Vehicles and Traffic Regulations