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Arkansas DUI & Violation Insurance Requirements

Arkansas requires 25/50/25 liability coverage and is an at-fault state.

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Arkansas 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

When you receive a DUI, license suspension, or serious violation in Arkansas, your current insurer will typically issue a non-renewal notice — meaning your policy ends at your next renewal date, not immediately. Arkansas law requires you to carry minimum liability coverage and file proof of that coverage with the state for violations involving DUI, driving without insurance, repeat offenses, or license suspension. This proof is called an SR-22 certificate, and not all insurers offer it. You will need to purchase coverage from a carrier that specializes in high-risk drivers and files SR-22 certificates on your behalf.

SR-22 Certificate

An SR-22 is not a type of insurance — it is a certificate your insurer files with the Arkansas Department of Finance and Administration proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record. These carriers file SR-22 certificates and accept drivers that standard insurers decline or non-renew. Rates are higher than standard policies, but they provide the legally required coverage and state filing you need to reinstate your license.

Liability Insurance

Liability coverage pays for injuries and property damage you cause to others in an accident. If you are required to file an SR-22, you must maintain at least these minimums continuously — a lapse of even one day restarts the filing period and triggers a suspension.

High-Risk Auto Insurance

High-risk auto insurance is a category of coverage for drivers with DUIs, major violations, accidents, or lapses. These policies cost significantly more than standard coverage because the carrier is assuming greater financial risk.

Comprehensive and Collision Coverage

Comprehensive coverage pays for damage to your vehicle from non-collision events like theft, vandalism, or weather. Collision coverage pays for damage from accidents. Neither is required by Arkansas law, but if you have a loan or lease, your lender will require both. Adding these coverages to a high-risk policy increases the premium significantly, but may be unavoidable if you finance your vehicle.

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

  • Violation type and severity — DUI convictions carry the highest rate increases in Arkansas
  • Time since violation — rates begin to decrease after 3–5 years if no new incidents occur
  • Age and driving experience — younger drivers with violations face steeper increases
  • Coverage level and deductible — full coverage costs significantly more than minimum liability for high-risk drivers
  • Carrier underwriting guidelines — some non-standard carriers specialize in DUI drivers and may offer more competitive rates
  • Credit-based insurance score — Arkansas allows insurers to use credit in pricing, which can compound rate increases for violation drivers
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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, suspensions, major violations, or lapses. High-risk carriers accept profiles that standard insurers decline and file SR-22 certificates with the state.

Non-Standard Auto Insurance

Policies sold by carriers that specialize in high-risk drivers. These insurers offer SR-22 filing and accept drivers with recent violations, accidents, or coverage gaps.

SR-22 Insurance

Not a separate insurance policy — SR-22 is a certificate filed by your insurer proving you carry the state-required liability coverage. You need a carrier that offers SR-22 filing services.

Liability Insurance

Coverage that pays for injuries and property damage you cause to others. Arkansas requires minimum limits of typically 25/50/25, and you must maintain these limits continuously if you are under SR-22 filing.

Find Your City in Arkansas

Little Rock

urban

Fayetteville

suburban

Fort Smith

suburban

Springdale

suburban

Jonesboro

urban

Rogers

suburban

Conway

suburban

Bentonville

suburban