License Reinstatement Insurance
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Arkansas Auto Insurance After License Reinstatement

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

Minimum Coverage Requirements in Arkansas

Arkansas operates under a tort liability system and requires continuous proof of insurance. The Arkansas Department of Finance and Administration oversees reinstatement and SR-22 filing. If your license was suspended for DUI, accumulating too many points, driving uninsured, or unpaid fines, you'll need SR-22 certification filed by your carrier before the state will restore your driving privileges.

Bodily Injury Liability

Covers injuries you cause to other people in an at-fault accident. Post-reinstatement drivers often carry 50/100 limits because liability claims that exceed your coverage become your personal debt, and Arkansas allows injured parties to pursue wage garnishment.

Property Damage Liability

Covers damage you cause to other vehicles, buildings, or property. Arkansas does not require collision or comprehensive coverage unless your vehicle is financed, but liability is mandatory for all registered vehicles.

SR-22 Certificate of Financial Responsibility

Not a separate insurance type—it's a certificate your carrier files with the Arkansas Department of Finance and Administration proving you carry at least minimum liability coverage. Your carrier must notify the state if your policy lapses; any gap restarts your filing period from zero and can trigger immediate re-suspension.

Uninsured/Underinsured Motorist Coverage

Arkansas does not require UM/UIM coverage, but carriers must offer it at the same limits as your liability coverage unless you reject it in writing at policy inception. If you're hit by an uninsured driver and you declined this coverage, your only recourse is suing the at-fault driver personally—a process that typically recovers nothing if they had no insurance to begin with.

Non-Owner SR-22 Insurance

Required if you need SR-22 filing but don't own a vehicle—common if your car was repossessed, sold, or totaled during the suspension period. Non-owner policies provide liability coverage when you drive borrowed or rental vehicles and satisfy Arkansas's filing requirement. You'll need to switch to a standard owner policy if you purchase a vehicle later.

What Drivers Pay in Arkansas

$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 filing duration—3-year filings signal higher risk than 1-year filings; carriers price accordingly even though the filing fee is the same
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If 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

How long does Arkansas require SR-22 filing after license reinstatement?

Arkansas requires 1 year of SR-22 filing for points-related suspensions, 3 years for DUI convictions, and 3 years for driving uninsured violations. The filing period starts the day your carrier files the SR-22 with the Arkansas Department of Finance and Administration, not your actual reinstatement date—file at least 5-7 business days before your scheduled reinstatement to ensure processing completes on time.

Coverage Types

Post-Reinstatement SR-22 Insurance

The SR-22 is a certificate filed by your carrier proving you maintain continuous liability coverage at Arkansas's minimum limits. Your carrier must file it electronically with the Arkansas Department of Finance and Administration before reinstatement.

Non-Owner SR-22 Insurance

Provides liability coverage when you drive vehicles you don't own and satisfies Arkansas SR-22 filing requirements without owning a car. Common if your vehicle was lost during suspension or you rely on borrowed cars.

Full Coverage After Reinstatement

Combines liability, collision, comprehensive, and uninsured motorist coverage. Required by lenders if you finance a vehicle. Covers damage to your own car plus injuries and property damage you cause to others.

Non-Standard Auto Insurance

Carriers that specialize in high-risk drivers including post-suspension, DUI, multiple violations, and lapsed coverage. Charge higher premiums but accept drivers standard carriers decline outright.

High-Risk Auto Insurance

Coverage for drivers classified as high-risk due to violations, suspensions, DUIs, or lapses. Premiums reflect elevated statistical accident likelihood. Surcharges last 3-5 years even after SR-22 filing ends.

Liability Insurance

Covers bodily injury and property damage you cause to others. Arkansas's 25/50/25 minimum is legally sufficient but financially inadequate for serious accidents—most post-reinstatement drivers carry 50/100/50 to avoid personal liability exposure.

Find Your City in Arkansas

Little Rock

urban

Fayetteville

suburban

Fort Smith

suburban

Springdale

suburban

Jonesboro

urban

Rogers

suburban

Conway

suburban

Bentonville

suburban