Car insurance · Arkansas
Car insurance requirements in Arkansas
Liability minimum 25/50/25. Claims system: fault-based claims.
Verified summaryAll Arkansas insurance topics
Requirements
Minimum car insurance requirements in Arkansas
| Coverage | Requirement in Arkansas |
|---|---|
| Bodily injury liability | $25,000 for one person / $50,000 for two or more people in any one accident |
| Property damage liability | $25,000 for injury to or destruction of property of others in any one accident |
| Injury protection | Not required. Insurers must offer medical payments, wage-loss and death benefits, which you can reject in writing |
| Uninsured / underinsured motorist | Not required. Insurers must offer uninsured motorist coverage up to the liability limits you choose |
What the law requires you to carry
- Bodily injury or death: not less than $25,000 for one person in any one accident
- Bodily injury or death of two or more people: not less than $50,000 in any one accident
- Property damage: not less than $25,000 in any one accident
- Coverage by a certificate of self-insurance or a policy from an insurer authorized to do business in Arkansas
Uninsured drivers
Uninsured motorist coverage in Arkansas
Not required. Insurers must offer uninsured motorist coverage up to the liability limits you choose.
- Anyone who buys liability coverage will be offered uninsured motorist coverage. To buy the property damage part, you must first buy the bodily injury part, and a $200 deductible applies to uninsured motorist property damage.
Optional coverage
Coverage you can add in Arkansas
- Uninsured motorist bodily injury and property damage (offered with liability)
- Underinsured motorist
- Medical payments, wage-loss and death benefits (offered, may be rejected in writing)
- Collision
- Comprehensive
Penalties
Penalties for driving without insurance in Arkansas
Penalties for driving without required insurance are set by Arkansas law (Arkansas Code 27-22-101 and following). Confirm current penalties with the Arkansas Office of Motor Vehicle.
Good to know
Other things to know in Arkansas
- The Arkansas Insurance Department's auto brochure explains that you are required by law to purchase liability protection only. Other coverages are voluntary unless required by a lienholder.
- The Department's brochure says that for the medical payments, wage-loss and death benefits that insurers offer, you must reject the coverage in writing if you do not want it.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Arkansas
- Arkansas Insurance Department
- Website: insurance.arkansas.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
- Arkansas Insurance Department: Automobile insurance (brochure, PDF)insurance.arkansas.gov
- Arkansas Code 27-22-104: Insurance required, minimum coverage (2010 text)law.justia.com
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Arkansas.
Home insurance resources and the health marketplace for Arkansas are on its overview page.