Hardship License After DUI
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Arkansas Hardship License After DUI

Arkansas does not offer a hardship license or restricted driving permit for DUI offenders during suspension. SR-22 insurance is required for 3 years after a DUI conviction, with minimums of 25/50/25. If you need to drive for work or essential needs, you must serve the full suspension period before reinstatement.

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Updated May 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.

Arkansas cityscape and street view
25/50/25
SR-22 Insurance
An SR-22 is a certificate of financial responsibility your insurance carrier files with the Arkansas Department of Finance and Administration to prove you carry continuous liability coverage. Arkansas requires SR-22 filing for 3 years after a DUI conviction, beginning on your reinstatement date, not your conviction date. If your SR-22 lapses for any reason during the 3-year period, the state suspends your license immediately and the 3-year clock resets from the new reinstatement date.
$25,000 per person / $50,000 per accident
Bodily Injury Liability
Bodily injury liability pays medical bills, lost wages, and legal fees for people you injure in an accident you cause. Arkansas's 25/50 minimum covers $25,000 per person injured and $50,000 total per accident. A single emergency room visit after a serious accident often exceeds $25,000, leaving you personally liable for the balance if you carry only the minimum.
$25,000 per accident
Property Damage Liability
Property damage liability pays repair costs for vehicles and property you damage in an accident you cause. Arkansas requires $25,000 minimum. Totaling a newer SUV or hitting a storefront can easily exceed $25,000, and the state minimum does not protect your assets if damages exceed your limit.
Optional but offered
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage if you are hit by a driver with no insurance or insufficient coverage. Arkansas does not require UM coverage, but carriers must offer it at limits equal to your liability limits unless you reject it in writing. Approximately 15% of Arkansas drivers carry no insurance, making UM coverage critical protection in a state where you have no hardship option and cannot afford another suspension.
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$100

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

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How Much Does Car Insurance Cost in Arkansas?

Arkansas SR-22 insurance costs significantly more than standard auto insurance due to the DUI conviction on your record. Carriers classify DUI offenders as high-risk drivers, and the SR-22 filing requirement limits which companies will write your policy.

What Affects Your Rate

  • DUI convictions typically increase premiums 80% to 150% over standard rates for the first 3 years.
  • SR-22 filing adds $15 to $50 in filing fees, plus the premium increase from being classified as high-risk.
  • 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.
  • Non-owner SR-22 policies cost $30 to $60 per month if you do not own a vehicle but need to maintain SR-22 filing during the suspension period to satisfy court requirements.
  • Little Rock, Fayetteville, and Fort Smith drivers pay 10% to 20% more than rural county drivers due to accident frequency and uninsured motorist rates in metro areas.
Minimum Coverage
$140–$210/mo
State minimum 25/50/25 liability with SR-22 filing. No collision, no comprehensive. Lowest legal coverage to meet reinstatement requirements.
Standard Coverage
$190–$280/mo
State minimum liability with uninsured motorist coverage at 25/50/25 and SR-22 filing. Adds protection against uninsured drivers without collision or comprehensive.
Full Coverage
$240–$370/mo
Full liability, uninsured motorist, collision, and comprehensive with SR-22 filing. Covers your vehicle damage and protects assets beyond state minimums.

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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.

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

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