Restricted License Insurance — Arkansas

Pays medical expenses and lost wages for other parties when you cause an accident. The Arkansas Office of Motor Vehicles will not approve a restricted license without SR-22 proof of this coverage at minimums or higher.

Covers damage to other vehicles and property when you are at fault. Restricted license applicants must maintain this coverage continuously — a lapse triggers immediate license suspension and restarts the SR-22 filing clock in most cases.

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.

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. Your insurance policy must remain active during the entire IID monitoring period — cancellation or lapse voids your restricted license immediately.

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.