Arkansas License Reinstatement After Unpaid Tickets
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
Get My Reinstatement 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 present proof on demand to law enforcement. The Arkansas Office of Driver Services administers administrative suspensions for unpaid traffic fines, court costs, or failure-to-appear penalties. Unlike DUI or at-fault accident suspensions, fines-cause suspensions typically do not trigger SR-22 filing requirements, though you must still maintain continuous liability coverage to reinstate and avoid compounding penalties.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision and Comprehensive
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
- Insurance lapse duration — a gap of 30 days or more creates an uninsured driver flag in Arkansas's system, raising future premiums even after reinstatement.
Clear the Suspension and Get Covered Again
Get My Reinstatement 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
Coverage Types
Reinstatement Insurance
Liability coverage meeting Arkansas's 25/50/25 minimums, required to reinstate your license after resolving unpaid traffic fines. You must provide proof of insurance to the Arkansas Office of Driver Services along with payment confirmation and the $150 reinstatement fee.
Non-Standard Auto Insurance
Policies designed for drivers with suspended licenses, tickets, or gaps in coverage. Non-standard carriers write Arkansas policies immediately after reinstatement when standard carriers decline or quote prohibitively high premiums.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance. Arkansas does not require this coverage, but you must reject it in writing at policy inception or the carrier adds it automatically.
High-Risk Auto Insurance
Coverage for drivers with multiple violations, DUI history, or at-fault accidents. Distinct from fines-cause suspensions but often confused — high-risk filings add SR-22 or FR-44 requirements not present in debt-driven suspensions.