Auto Insurance in Arkansas: Everything you Need to Know

Auto insurance is a requirement for drivers in Arkansas. Not only is it required by law, but it also protects you in the event of an accident. In this article, we will explore everything you need to know about auto insurance in Arkansas, including the minimum requirements, coverage options, and tips for finding the best policy.

Minimum Auto Insurance Requirements in Arkansas

Before you hit the road in Arkansas, you must have auto insurance that meets the state’s minimum requirements. These requirements include:

Coverage Type
Minimum Coverage Amount
Bodily Injury Liability
$25,000 per person / $50,000 per accident
Property Damage Liability
$25,000 per accident

If you are found to be driving without insurance in Arkansas, you may face penalties, including fines and the suspension of your driver’s license.

Additional Coverage Options

While meeting the minimum insurance requirements keeps you legal, it may not provide enough coverage if you are involved in a serious accident. There are several additional coverage options you can choose from to protect yourself and your vehicle, including:

Collision Coverage

Collision coverage pays for damages to your vehicle if you are involved in an accident, regardless of fault.

Comprehensive Coverage

Comprehensive coverage pays for damages to your vehicle that are not caused by a collision, such as theft or weather-related damage.

Uninsured/Underinsured Motorist Coverage

This coverage protects you if you are involved in an accident with an uninsured or underinsured driver who cannot cover the cost of damages.

Factors that Affect Auto Insurance Rates

Insurance companies use a variety of factors to determine your auto insurance rates, including:

  • Your age and driving history
  • Your vehicle’s make, model, and age
  • Your credit score
  • Your location and driving habits

Keep in mind that different insurers may weigh these factors differently, so it’s always a good idea to shop around for the best rates.

Tips for Finding the Best Auto Insurance Policy

When shopping for auto insurance in Arkansas, there are several things you can do to find the best policy for your needs and budget:

Compare Quotes from Multiple Insurers

Don’t settle for the first quote you receive. Compare quotes from multiple insurers to ensure you’re getting the best deal.

Consider Higher Deductibles

Choosing a higher deductible can lower your monthly premium, but it does mean you’ll pay more out of pocket if you’re involved in an accident.

Ask About Discounts

Insurance companies offer a variety of discounts, such as safe driver, multi-car, and loyalty discounts. Don’t be afraid to ask about discounts you may be eligible for.

FAQs about Auto Insurance in Arkansas

1. Can I drive without insurance in Arkansas?

No, it is illegal to drive without insurance in Arkansas. You must carry at least the minimum required coverage.

2. Can I still be insured if I have a poor driving record?

Yes, but you may face higher insurance rates. It’s always a good idea to shop around for the best rates.

3. What should I do if I’m involved in an accident?

If you’re involved in an accident, make sure everyone is safe and call the police. Exchange insurance information with the other driver and take photos of the damage. Then, contact your insurance company to file a claim.

4. What if I can’t afford auto insurance?

If you cannot afford auto insurance, you may be eligible for the Arkansas Automobile Insurance Plan, which provides coverage to high-risk drivers.

5. How often should I review my auto insurance policy?

You should review your auto insurance policy at least once a year to ensure you have the coverage you need.


Auto insurance is a legal requirement in Arkansas, but it’s also important for protecting yourself and your vehicle. By understanding the state’s minimum requirements, additional coverage options, and factors that affect your rates, you can find the best policy for your needs and budget. Don’t hesitate to shop around and ask for discounts to get the best rates possible.