Arkansas car insurance: requirements & free quotes
Arkansas uses an at-fault system with a 25/50/25 minimum. Insurers must offer personal injury protection, and severe spring storms and tornadoes make physical-damage coverage an important consideration.
Minimum coverage in Arkansas
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Shown as 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Arkansas
- Insurers must offer PIP; keeping it can cover your own medical bills regardless of fault.
- Comprehensive coverage protects against hail, tornado and falling-tree damage.
- Consider uninsured motorist coverage to protect yourself from drivers who carry no insurance.
- Ask about safe-driver and multi-vehicle discounts when comparing quotes.
We connect drivers across Arkansas
Including Little Rock, Fayetteville, Fort Smith, Springdale and Jonesboro — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Arkansas car insurance FAQ
No. Arkansas is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.