Arkansas Car Insurance After Multiple Violations
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance QuoteArkansas 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 traditional tort liability system, requiring all drivers to carry minimum liability insurance and maintain continuous proof of financial responsibility. The Arkansas Department of Finance and Administration tracks violation points and suspends licenses when drivers accumulate 14 points within 36 months. Unlike some neighboring states, Arkansas does not offer point forgiveness for time served — only completion of a state-approved defensive driving course removes points from your record.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
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
- Arkansas assesses 8 points for reckless driving, 5 points for speeding 15+ mph over the limit, and 3 points for routine moving violations — tickets stack quickly for drivers with inconsistent speed habits.
- Carriers writing high-point policies in Arkansas often restrict coverage to liability-only for the first 6 months, then allow collision and comprehensive after one clean renewal cycle.
- Completing a state-approved defensive driving course removes up to 3 points from your Arkansas record and satisfies the suspension reinstatement requirement, but you can only use this credit once every 36 months.
- Your premium remains elevated until the violation drops off your motor vehicle record entirely — Arkansas keeps moving violations on record for 3 years from the conviction date, not the ticket date.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf 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 many points suspend your license in Arkansas?
Arkansas suspends your license when you accumulate 14 or more points within a 36-month period. The suspension length depends on whether this is your first points suspension (typically 90 days) or a repeat suspension (180 days or longer). Points are counted from the violation conviction date, not the ticket date, and remain on your record for 3 years.
Can you remove points from your Arkansas driving record?
Yes. Completing a state-approved defensive driving course removes up to 3 points from your Arkansas record and satisfies the reinstatement requirement for most points suspensions. You can only use this point reduction once every 36 months, and you must complete the course before your suspension begins for the credit to apply immediately.
Does Arkansas require SR-22 after a points suspension?
No. Arkansas does not require SR-22 filing solely because you crossed the 14-point threshold. SR-22 is required only for specific violations like DUI, reckless driving, driving on a suspended license, or at-fault accidents while uninsured. If your most recent violation falls into one of these categories, you will receive a separate SR-22 notice from the Arkansas Department of Finance and Administration requiring 3 years of continuous filing.
Can you get a hardship license in Arkansas for a points suspension?
Yes. Arkansas allows drivers suspended for points to apply for a hardship license (called a Restricted Driving Permit) after serving a portion of the suspension period. You must demonstrate essential need for work, medical appointments, education, or court-ordered obligations. The application requires proof of employment or enrollment, payment of a reinstatement fee, and proof of insurance at state minimum limits or higher.
How many points is reckless driving in Arkansas?
Reckless driving adds 8 points to your Arkansas record, the highest point value for any moving violation. If you already have 6 or more points from prior violations, a single reckless driving conviction pushes you over the 14-point suspension threshold. Reckless driving also triggers a mandatory SR-22 filing requirement in Arkansas, separate from the points suspension itself.
Coverage Types
High-Risk Auto Insurance
Coverage from carriers that specialize in writing policies for drivers with multiple violations, recent suspensions, or point totals above standard-market thresholds.
Non-Standard Auto Insurance
Policies designed for drivers who cannot qualify for standard-market coverage due to violation count, license suspension history, or lapse in continuous coverage.
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. Arkansas requires 25/50/25 minimums, but higher limits reduce out-of-pocket exposure in serious collisions.
SR-22 Insurance
Not a coverage type but a certificate filed by your carrier proving continuous insurance to the Arkansas Department of Finance and Administration for 3 years.