Arkansas License Reinstatement & SR-22 Insurance Guide
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
$150
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Arkansas operates as a tort liability state, requiring all drivers to carry proof of financial responsibility. The state enforces compliance through the Arkansas Motor Vehicle Division and Arkansas Insurance Department, which maintain the Financial Responsibility Verification System that automatically checks insurance status against vehicle registrations.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
Cost Overview
$226–$347/mo
Typical monthly rate in Arkansas, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- SR-22 requirement duration: Arkansas mandates three-year continuous filing, meaning any coverage lapse during this period restarts the suspension and adds reinstatement fees
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Do I need SR-22 insurance to reinstate my license in Arkansas?
SR-22 is required in Arkansas if your suspension resulted from DUI/DWI, reckless driving, driving without insurance, accumulating 14 or more points, leaving an accident scene, or by court order. Administrative suspensions for unpaid tickets, child support arrears, or failure to appear typically do not require SR-22 unless the underlying offense involved insurance or moving violations. Contact the Arkansas Motor Vehicle Division at (501) 682-7207 to confirm your specific reinstatement requirements.
Can I get a hardship license in Arkansas while my license is suspended?
Arkansas offers Limited Driving Permits for first-time DUI offenders after serving 30 days of a 6-month suspension and completing Alcohol Safety Education Program. The permit allows driving to work, school, medical appointments, court-ordered programs, and ignition interlock service appointments only. Second or subsequent DUI offenses are not eligible — the state requires full suspension completion before any driving privileges are restored.
Do I need insurance while my license is suspended in Arkansas?
Arkansas requires continuous insurance on all registered vehicles regardless of license status — your vehicle registration and insurance records are cross-checked through the Financial Responsibility Verification System. If you own a vehicle and let insurance lapse during suspension, you face additional fines and extended suspension when you attempt reinstatement. If you don't own a vehicle, you can wait to purchase insurance (likely non-owner SR-22) when you begin the reinstatement process.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer with the Arkansas Motor Vehicle Division proving you carry minimum coverage. Required for three years following DUI, reckless driving, driving without insurance, or accumulating 14+ points.
Non-Owner SR-22 Insurance
Liability coverage for drivers who don't own a vehicle but need SR-22 filing to reinstate their license. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers injury and property damage you cause to others. Arkansas's 25/50/25 minimum is the baseline for all reinstatements but offers limited protection in serious accidents.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Must be offered by all Arkansas insurers; you sign a waiver to decline.
Non-Standard Auto Insurance
Coverage for high-risk drivers who don't qualify for standard policies due to DUI, multiple violations, lapses, or suspended license history. Carriers specialize in SR-22 filings and reinstatement cases.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, vandalism, weather, falling objects, and animal strikes. Optional in Arkansas and rarely required for reinstatement.