A Hardship Driver’s License in the State of Arkansas, also known as a Restricted Drivers License, typically allows the license holder to drive to and from work. The Arkansas court system will determine whether you need a certificate of financial responsibility, also called an SR-22 insurance policy. We recommend speaking with an attorney about the length of time you will need to carry an SR-22 insurance policy. The typical term is maintaining a policy for 2-3 years.
It could possibly call for the policy to last 5-10 years. It is mandatory to maintain the SR-22 coverage during the time frame that the court mandates. If the policy lapses or cancels for any reason your license will be suspended again, and typically will have to start the process all over again. The State of Aransas may also require you to install an ignition interlock device in your vehicle. Below we have included information from the State of Aransas to assist you with this process.
The State of Arkansas Minimum Liability Limits for Auto Insurance and SR-22 Insurance:
Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $25,000 per person
Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident*
Underinsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident*
Uninsured motorist property damage coverage: $25,000 with a $200 deductible*
Medical benefits: $5,000*
Lost earnings: $140 per week*
Accidental death benefits: $5,000 per person*
*Please note these coverages can be rejected in writing.
We recommend you fill out our contact form. Once completed, an SR-22 insurance specialist will call or email you within 24 hours.
For additional information please contact here:
Arkansas Insurance Department
1 Commerce Way
Little Rock, AR 72202
t: 800-282-9134 or 501-371-2600
Affordable SR-22 Insurance For The Entire State of Arkansas, including:
Little Rock, Fayetteville, Fort Smith, Springdale, Jonesboro, Rogers, Conway, North Little Rock, Bentonville, Pine Bluff, Hot Springs, Benton, Sherwood, Russellville, Texarkana, Bella Vista, Paragould, Jacksonville West Memphis, Searcy, Eureka Springs, and Van Buren