Arkansas car insurance: minimums, prices and your estimate
Arkansas requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Arkansas is an at-fault state where liability is the only required coverage, but PIP and uninsured motorist coverage are included unless you reject them in writing. Insurers must give a discount to drivers over 55 who complete an approved accident-prevention course.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- Check with Arkansas DFA
What drivers in Arkansas can expect to pay
Monthly ranges from our model, anchored to Arkansas's position in 7 published price studies from 2025 and 2026 ($2,828 a year for full coverage and $632 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $203-$268 | $2,828 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $45-$60 | $632 |
| Young driver, full coverage20, own policy, clean record | $377-$566 | $5,656 |
| Senior, full coverage70, clean record | $194-$258 | $2,715 |
| After one at-fault accident35, full coverage | $304-$403 | $4,242 |
| After a DUI35, full coverage | $354-$532 | $5,317 |
| Poor credit35, clean record, full coverage | $362-$520 | $5,288 |
Build your Arkansas estimate
Rules worth knowing in Arkansas
- PIP has three parts you can buy separately. Minimum benefits cover medical bills up to $5,000, 70% of lost income up to $140 a week for up to 52 weeks after an 8-day wait, and a $5,000 death benefit.
- Uninsured motorist coverage is included unless you sign a rejection, with limits available up to your liability limits. Underinsured motorist coverage must also be offered, but you can buy it only along with uninsured coverage.
- Uninsured motorist property damage is optional, requires uninsured motorist bodily injury coverage and has a $200 deductible. The deductible does not apply if the same insurer carries your collision coverage and the uninsured driver is identified and solely at fault.
- Insurers cannot deny, cancel or nonrenew a policy, or set your renewal rate, based solely on credit, and having no credit history cannot count against you. You can ask in writing to be re-rated up to once every 12 months.
- After a crash with injury, death or more than $1,000 in property damage, you must file an accident report with the Arkansas Department of Finance and Administration. You must also show proof of insurance or an alternative, such as a security deposit.
- Ask the Arkansas Department of Finance and Administration whether you need an SR-22 after a suspension or serious violation and for how long, since the state sets the filing period.
Questions about Arkansas car insurance
What is the minimum car insurance in Arkansas?
Arkansas requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Arkansas per month?
For a 35-year-old with a clean record, our model puts full coverage at about $203 to $268 a month and state-minimum coverage at about $45 to $60. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Arkansas a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Arkansas use my credit score?
Yes. Many insurers in Arkansas use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Arkansas?
Only if a court or the state requires one, usually after a serious violation or a lapse. Ask the Arkansas Department of Finance and Administration whether you need an SR-22 after a suspension or serious violation and for how long, since the state sets the filing period.