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 rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Arkansas requires 25/50/25 minimum limits, but high-risk drivers should consider higher limits to protect assets after prior at-fault incidents.
SR-22 Insurance
Certificate proving you carry minimum liability coverage, required for DUI, uninsured driving, or suspensions. The filing itself costs $15–$35 but increases premiums $800–$2,500 annually for 3 years.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers with violations, accidents, or SR-22 needs. Costs 50–150% more than standard rates but provides options when preferred carriers decline.
Full Coverage
Liability plus collision and comprehensive coverage protecting your vehicle and others. Required by lenders and recommended for drivers with financed vehicles or significant assets.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Arkansas requires carriers to offer UM at 25/50 minimums, and approximately 14% of state drivers are uninsured.
Collision Coverage
Pays to repair your vehicle after an at-fault accident. Premiums increase 30–60% after an at-fault claim and remain elevated for 3 years in Arkansas.
