Restricted License Insurance
Get a Quote

Restricted License Insurance — Arkansas

Arkansas requires SR-22 filing with 25/50/25 minimum liability coverage for restricted license approval after most DUI suspensions. Monthly premiums for restricted license insurance typically range $110–$185 depending on violation history, IID monitoring costs, and county.

Compare Arkansas Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Curved road with white lane markings running through a corridor of tall trees
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated July 2026

Minimum Coverage Requirements in Arkansas

Arkansas operates under a tort liability system and requires all drivers to carry minimum liability coverage of 25/50/25. The Arkansas Office of Motor Vehicles mandates SR-22 filing for restricted license approval following DUI or other qualifying suspensions. IID installation is required for restricted license issuance post-DUI, with duration varying by offense count.

Arkansas cityscape and street view
$25,000 per person / $50,000 per accident
Bodily Injury Liability
Pays medical expenses and lost wages for other parties when you cause an accident. Arkansas's 25/50 minimum is among the lowest in the nation — a single hospitalization for serious injuries can exceed $100,000, leaving you liable for the difference. The Arkansas Office of Motor Vehicles will not approve a restricted license without SR-22 proof of this coverage at minimums or higher.
$25,000 per accident
Property Damage Liability
Covers damage to other vehicles and property when you are at fault. Arkansas's $25,000 minimum may not cover the full cost of a totaled newer vehicle or damage to commercial property. Restricted license applicants must maintain this coverage continuously — a lapse triggers immediate license suspension and restarts the SR-22 filing clock in most cases.
Continuous filing for 3 years
SR-22 Certificate of Financial Responsibility
An SR-22 is not insurance but a certificate your carrier files with the Arkansas Office of Motor Vehicles proving you carry at least state minimums. Filing is required for restricted license approval after DUI, reckless driving, driving without insurance, or accumulating excessive points. The three-year period begins on the date the Arkansas Office of Motor Vehicles receives the SR-22, not the conviction date — delays in filing extend your overall compliance timeline.
6–24 months depending on offense
Ignition Interlock Device (IID) Coverage
Arkansas requires IID installation on all vehicles you operate during the restricted license period following a DUI. First-offense DUI typically requires six months of monitored IID use; repeat offenses require 24 months or longer. Monthly monitoring costs run $60–$100 plus installation fees of $75–$150. Your insurance policy must remain active during the entire IID monitoring period — cancellation or lapse voids your restricted license immediately.
Not required but strongly recommended
Uninsured Motorist Coverage
Arkansas does not mandate uninsured motorist coverage, but approximately 16% of Arkansas drivers operate without insurance — one of the higher uninsured rates in the region. If an uninsured driver causes an accident during your restricted license period and you lack UM coverage, you absorb all medical costs and vehicle damage yourself. Carriers writing restricted license policies often include UM coverage automatically or require written rejection at policy inception.
State-Mandated Minimum Coverage · Arkansas

Arkansas Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$150

Meeting the state minimum keeps you legal. See whether it's enough — get your Arkansas quote.

Get your Arkansas quote

How Much Does Car Insurance Cost in Arkansas?

Arkansas restricted license insurance premiums reflect elevated risk classification due to underlying suspension cause, SR-22 filing requirements, and IID monitoring mandates. Pulaski, Benton, and Washington counties show higher average rates due to urban density and claim frequency.

What Affects Your Rate

  • DUI conviction adds $800–$1,400 annually to base premium in Arkansas, with first-offense DUI carrying lower surcharges than repeat offenses.
  • IID monitoring costs $60–$100 per month for calibration and reporting, billed separately from insurance premium — total annual IID cost runs $720–$1,200.
  • Pulaski County (Little Rock) restricted license premiums average 12–18% higher than rural counties due to crash frequency and theft rates.
  • SR-22 filing fee ranges $15–$50 depending on carrier, paid once at policy inception, with some carriers charging an additional annual fee to maintain the filing.
  • Drivers under age 25 with restricted licenses pay 20–30% higher premiums than drivers over 30 with identical violation history due to age-based risk classification.
  • Lapse in coverage during the restricted license period voids the license immediately and restarts the three-year SR-22 clock — reinstatement requires new application, fees, and processing delays of 15–30 business days.
Minimum Coverage
$110–$150/mo
State-minimum 25/50/25 liability plus SR-22 filing. Does not include collision, comprehensive, or UM coverage. IID monitoring costs are additional.
Standard Coverage
$140–$185/mo
State minimums plus uninsured motorist coverage at 25/50 limits and property damage coverage. Most restricted license drivers select this tier to protect against Arkansas's 16% uninsured driver rate.
Full Coverage
$180–$260/mo
Liability at 50/100/50 or higher, comprehensive, collision with $500–$1,000 deductible, and full uninsured/underinsured motorist protection. Required if financing a vehicle during the restricted license period.

Compare car insurance rates in your state

Get quotes from licensed carriers — no obligation, no spam, results in minutes.

Get Your Free Quote
✓ No Obligation Required✓ Licensed Carriers Only✓ Available Nationwide✓ Free to Compare

Coverage Types

SR-22 Insurance

SR-22 is a certificate filed by your carrier with the Arkansas Office of Motor Vehicles proving continuous liability coverage at state minimums. Required for restricted license approval and maintained for three years from the date the state receives the filing.

Non-Owner SR-22 Insurance

Non-owner SR-22 provides liability coverage and SR-22 filing for drivers who do not own a vehicle but need proof of financial responsibility to maintain a restricted license.

High-Risk Auto Insurance

Non-standard or high-risk carriers specialize in writing policies for drivers with DUI, suspended license history, or multiple violations. These carriers accept SR-22 filings and IID-equipped vehicles that standard carriers decline.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when an uninsured or underinsured driver causes an accident. Not required in Arkansas, but strongly recommended given the state's uninsured driver rate.

Comprehensive and Collision Coverage

Comprehensive covers theft, vandalism, weather, and animal strikes. Collision covers damage to your vehicle in an accident regardless of fault. Both are optional unless financing a vehicle.

Find Your City in Arkansas

Little Rock, Arkansas cityscape and street view

Little Rock

urban
Fayetteville, Arkansas cityscape and street view

Fayetteville

suburban
Fort Smith, Arkansas cityscape and street view

Fort Smith

suburban
Sunny rural field with golden grass, green trees, and rolling hills under blue sky with white clouds

Springdale

suburban
Concrete retaining wall along road with cell tower visible behind trees against cloudy sky

Jonesboro

urban
Urban street with yellow lane markings leading to glass buildings, lined with autumn trees in warm vintage tones

Rogers

suburban
Empty park bench beside tree and street lamp in small town square with historic buildings in background

Conway

suburban
Peaceful stream flowing through autumn forest with golden trees and smooth water captured in long exposure

Bentonville

suburban

Frequently Asked Questions

Get Your Free Quote in Arkansas