Arkansas Car Insurance Requirements (Updated for 2025)
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If you drive in Arkansas, you are legally required to carry a minimum amount of auto liability insurance. Failing to meet these requirements can result in fines, license suspension, and other penalties. Below is a complete breakdown of the state’s car insurance laws and optional coverages.
Minimum Liability Coverage in Arkansas
As of 2025, Arkansas requires drivers to carry the following minimum coverage:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
This is often referred to as 25/50/25 coverage.
Uninsured/Underinsured Motorist Coverage
Uninsured motorist (UM) and underinsured motorist (UIM) coverage are not required in Arkansas, but insurers must offer them. You must reject this coverage in writing if you choose not to carry it.
Personal Injury Protection (PIP)
Arkansas insurers must offer PIP coverage, but it is optional. It can help cover medical bills, lost wages, and death benefits regardless of who is at fault.
Optional Coverages to Consider
- Comprehensive Coverage
- Collision Coverage
- Roadside Assistance
- Rental Car Reimbursement
Note: Lenders often require full coverage if your car is leased or financed.
Penalties for Driving Without Insurance
- Fines: $50–$250 for first offenses
- Registration suspension
- $100 reinstatement fee
- Possible jail time for repeat violations
- SR-22 filing requirement
Proof of Insurance Requirements
Drivers must show proof of insurance during traffic stops or accidents. Accepted forms include:
- Insurance ID card
- Digital proof (e.g., insurer’s app)
- DMV electronic verification
Compare Auto Insurance Quotes in Arkansas
Rates vary based on your location, driving record, and vehicle type. Get personalized quotes from top Arkansas insurers below:
FAQs
Is Arkansas a no-fault state?
No, Arkansas is an at-fault state. The driver who causes the accident is responsible for paying damages.
Does Arkansas require PIP coverage?
No, but it must be offered, and you may opt in for added protection.
What is SR-22 insurance?
SR-22 is a certification of financial responsibility required for high-risk drivers. Your insurer files it with the state to prove you meet minimum coverage requirements.