What is the minimum car insurance requirement in Arkansas?

Arkansas requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Is Arkansas an at-fault or no-fault state?

Arkansas is an at-fault state for car insurance claims.

Field report · AR

Car insurance in Arkansas

Arkansas is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/251

Fault systemAt-fault1

Uninsured motoristMust be offered1

RegulatorArkansas Department of Finance and Administration - Office of Motor Vehicles (titling/registration) and Office of Driver Services (licensing)

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Insurers must offer UM/UIM (bodily injury and property damage) with every policy, but drivers may reject it in writing.

Estimated cost

$502 a year for minimum coverage, $2,432 for full coverage2

Average annual premiums in Arkansas for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI, driving-uninsured violations, an at-fault accident without insurance, or license reinstatement.

Local conditions worth knowing

Arkansas sits within the 'Dixie Alley' tornado corridor and has a notably high uninsured-driver rate (cited around 19%), both genuine cost factors.

Frequently asked

What is the minimum car insurance requirement in Arkansas?: Arkansas requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
Is Arkansas an at-fault or no-fault state?: Arkansas is an at-fault state for car insurance claims.
Do I need an SR-22 in Arkansas?: Typically required after a DUI, driving-uninsured violations, an at-fault accident without insurance, or license reinstatement.
Is uninsured motorist coverage required in Arkansas?: Insurers must offer UM/UIM (bodily injury and property damage) with every policy, but drivers may reject it in writing.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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