Arkansas Auto Insurance: Costs & 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 traditional tort system, meaning at-fault drivers are financially responsible for damages they cause. The state requires proof of financial responsibility through an SR-22 or SR-26 filing if you're convicted of certain violations, including driving uninsured.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Cost Overview
$44–$75/mo
Typical monthly rate in Arkansas, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateFrequently Asked Questions
Can I drive in Arkansas with out-of-state insurance?
Yes, if you're visiting or passing through Arkansas with valid insurance from another state that meets or exceeds Arkansas's 25/50/25 minimums. If you establish residency in Arkansas, you must switch to an Arkansas policy or an out-of-state policy explicitly covering Arkansas residents within 30 days. The state does not recognize non-owner policies as proof of financial responsibility for vehicle registration.
Coverage Types
Liability Insurance
Required 25/50/25 coverage protects others when you cause an accident, but leaves you financially exposed if injuries exceed the minimums. Every dollar beyond $25,000 per person comes directly from your income and assets.
Uninsured Motorist Coverage
Covers your medical bills and lost wages when an at-fault driver has no insurance or flees the scene. You must reject this coverage in writing to decline it in Arkansas.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault, minus your deductible. Not required by Arkansas law, only by lenders.
Comprehensive Coverage
Covers theft, vandalism, hail, flood, and animal strikes. Arkansas experiences frequent hail in spring and deer collisions in rural counties.
Full Coverage
Bundles liability, collision, comprehensive, and typically UM/UIM into a single policy. Required by auto lenders and lessors, but often not cost-effective once a vehicle depreciates below $6,000–$8,000.
SR-22 Insurance
An SR-22 is not a coverage type but a certificate your insurer files with the state proving you carry minimum liability. Required after DUI, driving uninsured, or serious violations.