Arkansas Auto Insurance Rates & Requirements
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
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Arkansas 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
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Arkansas operates as an at-fault tort state, meaning the driver responsible for an accident is liable for damages. All drivers must carry proof of financial responsibility, typically fulfilled through liability insurance, per the Arkansas Department of Insurance. The state enforces these requirements through its electronic verification system, which cross-references vehicle registrations with active insurance policies.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection
Cost Overview
about $88/mo
Average car insurance spending in Arkansas
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Rural highway speeds on roads like I-40 and US-65 contribute to severe single-vehicle accidents, increasing liability claim severity
- Credit-based insurance scoring significantly impacts Arkansas rates, with poor credit doubling premiums in many cases
- Vehicles older than 10 years typically see minimal rate difference between liability-only and adding comprehensive due to reduced vehicle value
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Arkansas a no-fault state for car insurance?
No, Arkansas is an at-fault tort state. The driver who causes an accident is legally responsible for resulting damages. This means injured parties can file claims against the at-fault driver's liability insurance and sue for additional damages if injuries exceed policy limits. Arkansas does not require personal injury protection or operate under no-fault insurance rules.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Arkansas's 25/50/25 minimum is the legal floor, but 100/300/100 provides more realistic protection given medical cost inflation.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal exposure and your vehicle. Includes uninsured motorist coverage in most Arkansas policies.
Comprehensive Coverage
Pays for non-collision damage to your vehicle — theft, vandalism, weather, falling objects, and animal strikes. Critical for Arkansas drivers given tornado, hail, and deer collision frequency.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. Arkansas law requires insurers to offer this, but you can reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another vehicle or object, regardless of fault. Required by lenders if you finance or lease.
SR-22 Insurance
An SR-22 is not a separate insurance type but a certificate proving you carry state-minimum coverage, filed by your insurer to the Arkansas Department of Finance and Administration.