- Car Insurance
- Auto Insurance by State
- Arkansas Car Insurance
Arkansas car insurance
Common questions about Arkansas
auto insurance
What car insurance is required in Arkansas?
In Arkansas, it's illegal to drive without insurance. Drivers in Arkansas are required to have car insurance coverage for
- Bodily Injury to others
- Property Damage Liability
Here are the minimum auto insurance limits drivers must have in Arkansas.1
Coverage | Amount |
|---|---|
| Bodily Injury to Others | $25,000 per person and $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
Check out the Arkansas Department of Insurance for more details.
Is Arkansas considered a no-fault insurance state?
No, Arkansas is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.
Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Arkansas drivers may want to consider additional coveragesThese coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Arkansas, drivers must opt-out of these coverages in writing when buying a car insurance policy.
Does Arkansas require Uninsured Motorist Insurance?
No, Arkansas doesn't require drivers to have Uninsured Motorist Coverage or Underinsured Motorist Coverage. However, insurance companies must give you the option to add it to your policy. To opt-out you'll need to reject it in writing.
Keep in mind, the insurance of the at fault driver normally helps pay the cost of damages. Without these coverages, you may be stuck with the bill.
What's the average cost of car insurance in Arkansas?
The average cost of car insurance in Arkansas was $2,4022 in 2024 according to thezebra.com. That's 10% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Arkansas auto insurance with a customized policy, so you only pay for what you need.
What Arkansas car insurance coverage is right for you?
All Arkansas drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Arkansas car insurance to get the coverage that fits you.
See all of our auto coverage options.
What's the best car insurance in Arkansas?
Liberty Mutual knows that everyone has different needs for their Arkansas auto insurance. Some may want the cheapest Arkansas car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Arkansas car insurance, so you only pay for what you need.
Who has the cheapest car insurance in Arkansas?
Getting the cheapest car insurance in Arkansas may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Save money with these auto insurance discounts
Great drivers are made, not born. You'll get a discount if your driving history is violation-free.5
Learn more about SavingsThe more cars you insure with Liberty Mutual, the more you can save on your premium.5
Learn about Multi-Car Discounts and moreInstantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.6
Save with our safe driver program