Arkansas Car Insurance Requirements

Minimum Coverage Requirements

Arkansas requires drivers to carry minimum liability insurance of 25/50/25 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Arkansas

Drivers in Arkansas typically pay approximately $1,390 per year ($116/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Arkansas

State Regulations and Key Rules

Arkansas is an at-fault state. Uninsured and underinsured motorist coverage is not required but is available. Insurers must offer these coverages, and drivers may reject them in writing.

What Makes Arkansas Unique

Arkansas sees significant weather-related claims due to tornadoes and hailstorms, making comprehensive and collision coverage highly advisable beyond the state minimum.

Uninsured Drivers in Arkansas

Approximately 16.6% of drivers in Arkansas are estimated to be uninsured.

Risk Factors Specific to Arkansas

Arkansas sits in a tornado-prone corridor — comprehensive coverage is strongly advised. Spring hailstorms are frequent and can total a vehicle. Deer collisions peak in October and November throughout the state.

What Arkansas’s Minimum Actually Covers

Arkansas’s minimum is 25/50/25: $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Arkansas

Uninsured motorist coverage isn’t mandatory in Arkansas, though insurers generally must offer it and you may have to reject it in writing.

How Arkansas Compares: Uninsured Drivers and Price

An estimated 16.6% of Arkansas drivers are uninsured — roughly 1 in 6 — one of the highest uninsured rates in the country. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $1,390 a year puts Arkansas below the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Arkansas

Arkansas insurers offer meaningful discounts for multi-policy bundling and good driving records. Many rural drivers qualify for low-mileage discounts. Installing a dashcam can help document fault in the event of an accident and support claims.

• Arkansas's minimum liability requirement of 25/50/25 is the legal floor, not a safe target — since PIP isn't required in Arkansas, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 16.6% of Arkansas drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Arkansas?

25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability.

Is Arkansas a no-fault state?

No. Arkansas is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Arkansas?

An estimated 16.6% of Arkansas drivers are uninsured, roughly 1 in 6.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.