Arkansas SR-22 & High-Risk Auto Insurance
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
State Requirements
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.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
Cost Overview
$277–$336/mo
Typical monthly rate in Arkansas, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- 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)
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on record in Arkansas?
Arkansas requires SR-22 filing for 3 years from the date of license reinstatement, not from the violation date. If your insurance lapses during this period, the SR-22 requirement restarts from the new reinstatement date. Most carriers reduce rates after 1–2 years of clean driving, but the filing obligation remains until the full 3-year period is complete.
How many points until license suspension in Arkansas?
Arkansas suspends your license when you accumulate 14 or more points within 3 years. Common violations include: speeding 15+ mph over (8 points), reckless driving (8 points), at-fault accident (6 points), and speeding 1–14 mph over (3–4 points). Points remain on your record for 3 years, and a suspension requires SR-22 filing for reinstatement.
How long do points stay on your license in Arkansas?
Points remain on your Arkansas driving record for 3 years from the conviction date. After 3 years, the points automatically drop off and insurance surcharges typically end. Some carriers begin reducing rates after 1–2 years of clean driving, even before points expire. Completing a defensive driving course may prevent points from certain violations if completed before conviction.
Coverage 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.