Arkansas DUI SR-22 Insurance After Conviction
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
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 financial responsibility during the SR-22 filing period. The Arkansas Department of Finance and Administration oversees SR-22 compliance, which begins on your reinstatement date or the date your restricted license is issued, not your conviction date. If your SR-22 lapses for any reason during the 3-year period, the filing clock resets to day one.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
What Drivers Pay in Arkansas
$339–$347/mo
Typical monthly rate in Arkansas, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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 do I need SR-22 in Arkansas after a DUI?
Arkansas requires SR-22 filing for 3 years after DUI conviction. The filing period begins on your reinstatement date or the date your restricted license is issued, not your conviction date. If your policy lapses or is cancelled at any point during the 3 years, the Arkansas Department of Finance and Administration is notified within 10 days, your license is re-suspended, and the 3-year clock resets from the new reinstatement date.
Can I get SR-22 insurance with State Farm or Geico in Arkansas after a DUI?
State Farm and Geico will file SR-22 for current policyholders in Arkansas but typically non-renew the policy at the end of the term after a DUI conviction. New DUI-SR-22 policies require non-standard carriers like Bristol West, Dairyland, Direct Auto, GAINSCO, The General, or Safe Auto. Availability varies by county and conviction class.
What happens if my SR-22 lapses in Arkansas?
Your insurance carrier notifies the Arkansas Department of Finance and Administration within 10 days of any lapse, cancellation, or non-renewal. Your license is automatically re-suspended the day the state receives the notice. To reinstate, you must pay a new reinstatement fee, refile SR-22 with a new carrier, and restart the 3-year filing period from day one.
Coverage Types
SR-22 Insurance
Continuous proof-of-insurance filing required by Arkansas for 3 years after DUI conviction. Your carrier submits the certificate electronically to the state and notifies them within 10 days of any lapse or cancellation.
Non-Owner SR-22
Liability-only SR-22 policy for drivers who do not own a vehicle but need to satisfy Arkansas filing requirements to reinstate their license or maintain a hardship/work permit.
Liability Insurance
Covers bodily injury and property damage you cause to others. Arkansas requires 25/50/25 minimums, but post-DUI carriers commonly mandate 50/100/50 as a condition of acceptance.
Uninsured Motorist Coverage
Pays your medical bills, lost wages, and vehicle damage when you are hit by a driver with no insurance or inadequate coverage. Arkansas requires carriers to offer this at policy inception.
Full Coverage
Liability, comprehensive, and collision bundled together. Required by lenders and lessors. Comprehensive covers theft, weather, and vandalism; collision covers damage from accidents you cause.