Arkansas Auto Insurance Requirements & Rates
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 a traditional tort state where at-fault drivers are financially responsible for damages they cause. The state requires all drivers to carry proof of insurance and submit verification to the Arkansas Department of Finance and Administration. Failure to maintain continuous coverage triggers immediate license and registration suspension under the state's real-time insurance verification system.
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
- Tornado Alley location generates elevated comprehensive claims—Arkansas averages 33 tornadoes annually, concentrated in March–May, increasing storm damage premiums statewide.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Arkansas a no-fault insurance state?
No, Arkansas is a traditional tort state where the at-fault driver is financially responsible for damages they cause. Injured parties can file claims against the at-fault driver's liability insurance and sue for amounts exceeding policy limits. This differs from no-fault states where each driver's insurance pays their own medical expenses regardless of fault.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Arkansas's 25/50/25 minimum is legally required but often insufficient—serious injury claims regularly exceed $100,000.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist protection into a complete package. Required by lenders for financed or leased vehicles and recommended for cars worth over $5,000.
Comprehensive Coverage
Pays for non-collision damage to your vehicle: hail, flood, tornado debris, theft, vandalism, and animal strikes. Particularly valuable for vehicles worth over $3,000.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Steps in when the at-fault driver cannot pay.
Collision Coverage
Repairs or replaces your vehicle after a crash with another car or object, regardless of who was at fault. Required by lenders and valuable until your vehicle's value drops below 10 times the annual premium.
SR-22 Insurance
Not a separate coverage type but a state-required filing proving you carry minimum liability insurance after serious violations like DUI, multiple accidents, or driving without insurance. Filed electronically by your insurer to the Arkansas Department of Finance and Administration.