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 at-fault state for car insurance claims.

Field report · AR

Car insurance in Arkansas

Arkansas is a at-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/25

Fault systemAt-fault

Uninsured motoristNot required

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

Illustrative estimate: roughly $500/year for minimum coverage; cheapest carriers advertise closer to $330/year.

Why this is a range, 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 ourcost calculator for a figure based on your own details, orget 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 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.

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