Arkansas Hardship License After DUI
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
Get My Hardship-License SR-22 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 is a tort state with no hardship license option for DUI offenders. If you are convicted of DUI, DWI, or refuse a chemical test, the Arkansas Department of Finance and Administration suspends your license with no restricted driving privilege available. You must serve the full suspension period before applying for reinstatement, which requires SR-22 insurance filing and proof of DWI education course completion.
SR-22 Insurance
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
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
- First-offense DUI in Arkansas carries a 6-month minimum suspension; second offense within 5 years carries 24 months with no hardship option for either.
- Refusal of a chemical test triggers an automatic 6-month suspension on first refusal, 24 months on second refusal, with SR-22 required for reinstatement.
Drive Legally on Your Restricted License
Get My Hardship-License SR-22 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
Can you get a hardship license for a DUI in Arkansas?
No. Arkansas does not offer a hardship license, restricted driving permit, or any form of limited driving privilege for DUI offenders. If you are convicted of DUI or refuse a chemical test, you must serve the full suspension period—6 months for a first offense, 24 months for a second offense within 5 years—with no option to drive for work, school, or medical needs during that time.
How long is SR-22 required after a DUI in Arkansas?
Arkansas requires SR-22 filing for 3 years after you reinstate your license following a DUI suspension. The 3-year period begins on your reinstatement date, not your conviction date. If your SR-22 lapses at any point during those 3 years, the Arkansas Department of Finance and Administration suspends your license immediately and the 3-year clock resets from your next reinstatement date.
What happens if your SR-22 lapses in Arkansas?
If your SR-22 insurance lapses for any reason—non-payment, cancellation, or switching carriers without filing a new SR-22—the insurance company notifies the Arkansas Department of Finance and Administration within 10 days. The state suspends your license immediately, and the 3-year SR-22 filing requirement resets from the date you reinstate again, meaning one lapse can add years to your total SR-22 obligation.
Coverage Types
SR-22 Insurance
SR-22 is a certificate your insurer files with the state proving you carry continuous liability coverage. Arkansas requires SR-22 for 3 years after DUI reinstatement.
Non-Owner SR-22
Non-owner SR-22 provides liability coverage and SR-22 filing when you do not own a vehicle. It satisfies Arkansas reinstatement requirements without insuring a specific car.
High-Risk Auto Insurance
High-risk auto insurance is written by non-standard carriers that specialize in DUI offenders and drivers with major violations. Coverage is identical to standard policies but priced for elevated risk.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when you are hit by a driver with no insurance. Arkansas does not require it but carriers must offer it.