Arkansas's liability minimums look standard, 25/50/25, meaning $25,000 of bodily injury coverage per person, $50,000 per accident, and $25,000 for property damage (Ark. Code Ann. §27-22-104), but the state does something most at-fault states don't: every auto policy issued in Arkansas automatically includes a package of no-fault, first-party benefits unless you reject them in writing.
Those add-on benefits (Ark. Code Ann. §23-89-202) pay you and your passengers regardless of who caused the crash. Two Arkansas policies with the same liability limits can therefore differ in whether these benefits are still attached, one of the first things worth checking when comparing quotes.
The figures below explain the policy structure used in Arkansas. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Arkansas minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $25,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $50,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $25,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- $5,000 medical plus income-disability and accidental-death benefits included in every policy unless rejected in writing
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $25,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $50,000 | Total covered injuries in one accident |
| Property damage liability | $25,000 | Covered damage you cause to other property |
| PIP or medical coverage | $5,000 medical plus income-disability and accidental-death benefits included in every policy unless rejected in writing | Medical coverage rules vary by policy |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
Source: Arkansas Insurance Department — Automobile insurance guide
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Arkansas
State law is only the starting point. These Arkansas-specific details show what to confirm before you compare coverage or buy a policy.
The benefits built into Arkansas policies by default
Unless rejected, an Arkansas auto policy includes three first-party coverages paid without regard to fault: medical and hospital benefits up to $5,000 per person for expenses within 24 months of the accident; income-disability benefits at 70% of lost wages, up to $140 per week for as long as 52 weeks; and a $5,000 accidental-death benefit.
Under §23-89-203, the named insured can reject any or all of these in writing, and once rejected, the insurer doesn't have to offer them again at renewal. If your policy has been renewing for years, the declarations page is the only reliable way to know whether the benefits are still there. When quotes differ in price, this is a common reason why.
At-fault liability and how Arkansas checks coverage
Arkansas is an at-fault state: the driver who causes a crash pays the other side's injuries and property damage through liability coverage. The state runs a vehicle insurance database, and under §27-22-104, failing to show current coverage at a traffic stop, in the database or on a card, creates a rebuttable presumption that the vehicle is uninsured.
The 25/50/25 floor is exactly that, a floor. Uninsured and underinsured motorist coverage must be offered when you apply for a policy but can be declined; nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council), which is a common reason Arkansas drivers keep it.
SR-22s in Arkansas
Arkansas requires SR-22 filings through the Office of Driver Services for reinstatement after suspensions tied to DWI, driving uninsured, reckless driving, and habitual offenses. The filing generally must be maintained for three years; if the policy lapses, the insurer notifies the state and the license is re-suspended, with reinstatement fees charged per offense.
As in every SR-22 state, the certificate is cheap and the underlying violation is what raises the premium, by very different amounts at different carriers, which is why drivers with a filing requirement see the largest spreads when they compare quotes.
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Start a Arkansas quote requestWhat affects car insurance rates in Arkansas?
Average annual expenditure for auto insurance in Arkansas was $924 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024). It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Arkansas ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Arkansas car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Arkansas. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Arkansas city
State law applies across Arkansas, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Arkansas page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is Ark. Code Ann. §27-22-104; first-party benefits §23-89-202 and §23-89-203; Arkansas Department of Finance and Administration. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Arkansas Insurance Department — Automobile insurance guide ↗Official state guide listing Arkansas's minimum liability limits and explaining first-party coverage choices.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
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