State guide
Car Insurance in Arkansas
Updated August 2026
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.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $25,000 |
| PIP / medical | $5,000 medical plus income-disability and accidental-death benefits included in every policy unless rejected in writing |
| No-fault state | No |
| SR-22 used | Yes |
Source: Ark. Code Ann. §27-22-104; first-party benefits §23-89-202 and §23-89-203; Arkansas Department of Finance and Administration
Average annual expenditure for auto insurance in Arkansas was $924 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024))
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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Frequently asked questions
What car insurance is required in Arkansas?+
Liability coverage of at least $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (25/50/25), under Ark. Code Ann. §27-22-104.
Does Arkansas require PIP?+
Not exactly. Arkansas is an at-fault state, but §23-89-202 requires every policy to include $5,000 in medical benefits, income-disability benefits, and a $5,000 accidental-death benefit — payable regardless of fault — unless the named insured rejects them in writing.
Is Arkansas a no-fault state?+
No. Arkansas is an at-fault (tort) state for liability. The default first-party benefits are an add-on paid without regard to fault, but the driver who causes a crash is still legally responsible for the other side's damages.
Does Arkansas use SR-22s?+
Yes. The Office of Driver Services requires SR-22 filings after suspensions for offenses such as DWI, driving without insurance, and reckless driving, generally maintained for three years.
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