Updated April 2026
Minimum Coverage Requirements in Arkansas
Arkansas mandates minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers with DUI convictions, suspended licenses for habitual offenses, at-fault accidents without insurance, or multiple serious violations typically must file SR-22 proof of financial responsibility with the Arkansas Department of Finance and Administration. The SR-22 filing requirement in Arkansas typically lasts 3 years from the violation date or reinstatement date, and any lapse in coverage during this period restarts the clock.
How Much Does Car Insurance Cost in Arkansas?
High-risk auto insurance in Arkansas costs significantly more than standard coverage due to violation severity, filing requirements, and limited carrier competition. Drivers with a DUI typically pay $200–$400/mo, while those with suspended licenses or multiple violations pay $180–$350/mo depending on the offense. Rates decrease as the violation ages, but expect elevated premiums for the full 3-year SR-22 period and 1–2 years beyond.
What Affects Your Rate
- Violation type: DUI convictions typically cost 80–150% more than standard rates; suspended license violations cost 60–120% more
- SR-22 filing requirement: adds $15–$35 filing fee and restricts carrier options to non-standard insurers with higher base rates
- Time since violation: rates drop 10–20% per year as the offense ages, with steeper decreases after the 3-year SR-22 period ends
- Credit score: Arkansas allows credit-based insurance scoring, and high-risk drivers with poor credit can pay an additional 30–60% over those with good credit
- Location: urban areas like Little Rock and Fort Smith have higher collision and theft rates, adding $20–$50/mo compared to rural counties
- Deductible selection: choosing a $1,000 deductible instead of $500 can reduce collision and comprehensive premiums by 15–25%
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Sources
- Arkansas Department of Finance and Administration — Driver Services
- Arkansas Insurance Department — Consumer Resources
- Arkansas Code Title 27 — Motor Vehicles and Traffic