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 under a tort-based liability system where at-fault drivers are financially responsible for crash damages. The state requires proof of financial responsibility at all times — drivers must carry an insurance card and present it at traffic stops or after accidents. Arkansas law mandates electronic verification through the VerifyInsurance.com database, which allows law enforcement to confirm coverage status in real time.
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
- Arkansas experiences an average of 33 tornadoes annually, increasing comprehensive claims for hail and wind damage — especially in March through May
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Compare Auto Rates for FreeFrequently Asked Questions
Does Arkansas require SR-22 insurance?
Arkansas requires SR-22 filing after DUI convictions, driving without insurance, or accumulating excessive points. The SR-22 is a certificate of financial responsibility filed by your insurer with the Arkansas Department of Finance and Administration, not a separate insurance policy. You must maintain continuous SR-22 coverage for three years, and any lapse triggers automatic license suspension.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Arkansas requires 25/50/25 minimum, but 100/300/100 limits provide stronger protection in serious multi-vehicle accidents common on I-40 and Highway 67.
Full Coverage
Combines liability, comprehensive, and collision to protect both your vehicle and others. Mandatory for leased or financed cars, and recommended for vehicles worth more than $5,000.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, fire, flooding, and weather events. Covers windshield damage without a deductible under Arkansas law when you carry glass coverage.
Collision Coverage
Repairs or replaces your vehicle after an at-fault accident or single-vehicle crash. Works alongside comprehensive to provide full physical damage protection regardless of fault.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene. Arkansas insurers must offer this; you must sign a rejection form to decline.
SR-22 Insurance
A certificate of financial responsibility filed with the Arkansas Department of Finance and Administration after DUI, reckless driving, or driving without insurance. Not a separate policy — it's an endorsement to your existing coverage.