Updated March 2026
State Requirements
Arkansas requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. SR-22 filing is required for DUI convictions, driving without insurance, license suspensions for point accumulation, and repeat serious violations. Arkansas uses a point system where violations accumulate on your license, and reaching 14 points in 3 years triggers a suspension. Most point violations like speeding tickets or at-fault accidents do not require SR-22 filing, but they do raise insurance rates significantly until they age off your record after 3 years.
Cost Overview
High-risk auto insurance in Arkansas costs $2,400–$4,800 annually for drivers with DUI convictions, SR-22 requirements, or multiple violations, compared to $900–$1,400 for clean-record drivers. Rates vary widely based on violation type: a single speeding ticket increases premiums 15–25%, while a DUI can double or triple rates for 3–5 years. Points from violations remain on your Arkansas driving record for 3 years, and insurance surcharges typically last the same duration, though some carriers reduce rates after 1–2 years of clean driving.
What Affects Your Rate
- Violation type and severity (DUI increases rates 80–200%, at-fault accident 30–60%, speeding ticket 15–25%)
- Number of points on license (14+ points triggers suspension and SR-22 requirement in Arkansas)
- Time since violation (rates decrease as violations age beyond 1–2 years and drop significantly after 3 years)
- SR-22 filing requirement (adds $800–$2,500 annually for 3 years)
- Coverage level selected (full coverage costs 40–60% more than minimum liability for high-risk profiles)
- Carrier type (non-standard carriers may charge 50–150% more than standard carriers but offer coverage when others decline)
Compare Auto Insurance Rates in Arkansas
Coverage Options
Find Your City in Arkansas
Frequently Asked Questions
Sources
- Arkansas Department of Finance and Administration - Office of Motor Vehicle
- Arkansas Insurance Department - Consumer Services Division
- Arkansas Code Title 27 - Transportation