Official Arkansas Guide

Arkansas SR-22 Insurance

A complete roadmap to satisfying Arkansas DFA requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

3 Years

From the date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Arkansas SR-22 Filing Works

In Arkansas, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Arkansas Department of Finance and Administration (DFA). It proves that you carry the state-mandated minimum liability coverage required to maintain a valid Arkansas driver's license.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in AR?

DWI / DUI Conviction: Convictions for driving while intoxicated or under the influence of drugs.
Uninsured Accident: Being involved in an accident while driving without the required liability insurance.
Unsatisfied Judgments: Failure to pay for damages resulting from an auto accident as ordered by a court.
License Revocation: Any administrative or court-ordered revocation of driving privileges.

Don't Own a Car in Arkansas?

You can still get reinstated! An Arkansas Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the Arkansas DFA requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The AR Reinstatement Timeline

Check Status

Contact the DFA Office of Driver Services or use their online portal to verify your suspension period and mandatory requirements.

Secure SR-22

Purchase a policy with 25/50/25 limits. Your insurance company will electronically transmit the certificate to the Little Rock DFA.

Pay Reinstatement Fees

Pay the required reinstatement fees (typically $100 or more) online or at a local Revenue Office.

Drive Legally

Once the SR-22 is on file and all administrative fees are cleared, your driving privilege is officially restored.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Arkansas:

First Offense

Mandatory License Suspension

Court Fines

Up to $500 + Court Costs

SR-22 Period

Reset to Day 1 (Full 3 Years)

Vehicle Impact

Potential Vehicle Impoundment

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Arkansas Filing FAQs

How much is the filing fee in Arkansas?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Arkansas DFA. This is separate from your monthly premium.

Can I drive out of state with an AR SR-22?

Yes. Your Arkansas SR-22 is proof of financial responsibility nationwide. However, you must maintain the Arkansas-specific coverage limits (25/50/25).

What is the difference between SR-22 and regular insurance?

An SR-22 is not insurance; it is a certificate attached to your policy that notifies the state if your coverage is active or cancelled.

Can I get a Non-Owner policy in AR?

Yes, Arkansas allows Non-Owner SR-22 filings. This is the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Arkansas law requires insurers to notify the DFA immediately via an SR-26 if your policy lapses. This triggers an instant administrative suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the DFA to confirm the requirement is met. You can then instruct your insurer to remove the SR-22 filing.

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