Get an Arkansas car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Arkansas
Arkansas auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programArkansas minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in Arkansas. To drive legally, you need to have at least the following coverage amounts and minimums in Arkansas.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
Learn more about state insurance requirements at the Arkansas Insurance Department.
Average cost of car insurance in Arkansas, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Arkansas is about $1,716 per year.
Drivers in Arkansas will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
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.
Who offers cheap car insurance in Arkansas?
Finding the cheapest car insurance in Arkansas may sound great, but a low-cost policy may not pay out when you need it.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Factors that can impact your car insurance rates in Arkansas
Several factors can influence what you pay for car insurance in Arkansas. Every driver's situation is different, but insurers typically look at a mix of the following:
- Your driving record: A history of accidents or traffic violations can lead to higher rates, while a clean record may help you qualify for lower ones.
- Your age and experience: Newer and younger drivers often pay more, since they have less time behind the wheel.
- Where you live: Rates can vary between areas like Little Rock and more rural parts of the state, based on factors such as traffic density and the likelihood of theft or claims.
- Your vehicle: The make, model, age, and safety features of your car can all affect your premium.
- Your coverages: The coverage that are required, those you select, along with your deductible and limit amounts, can raise or lower your cost.
- Your annual mileage: How much you drive may factor into your rate.
You may not be in control of all of these, but you could lower your monthly premium by comparing coverage options, taking advantage of discounts, or signing up for Liberty Mutual's safe driving program.
Arkansas car insurance FAQs
- Uninsured drivers in Arkansas could be subjected to fines, suspension of registration or license plates, reinstatement fees, and even jail time for repeat offenders. You could also receive a citation if you can't provide proof of insurance during a traffic stop, but you may be able to have it reduced if you show up in court with proof in hand. For the most current details on this, check with the Arkansas Insurance Department or the Arkansas DFA - Office of Motor Vehicles.
- There are several ways you could lower your car insurance costs in Arkansas:
- Bundle your policies: Combining your auto and home (or renters) coverage may help you save. Learn about bundling.
- Take advantage of discounts: From buying online to insuring multiple vehicles, discounts can add up.
- Consider RightTrack®: This safe-driving program can reward good driving habits with savings of up to 30% on your policy.3
- Review your coverage and deductible: Adjusting your deductible or coverage choices may affect your premium.
- Maintain a clean driving record: Safe driving over time can help keep your rates down.
Comparing quotes and reviewing your policy regularly can also help make sure you're only paying for the coverage you need.
- It's difficult to buy car insurance in Arkansas without a valid driver's license, but it's not impossible. For instance, you may be able to buy insurance for a vehicle that a licensed family member drives or if you're listing that family member as a primary driver on a vehicle you own.
- Car insurance rates in Arkansas are based on several driver-specific factors, so there's no definitive “cheapest” insurance. Compare quotes and look at different coverages to ensure you get the best price. You can get a free online quote from Liberty Mutual in less than ten minutes.