- Car Insurance
- Auto Insurance by State
- Arkansas Car Insurance
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 drivers could save money with these 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 | Amount |
|---|---|
| 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
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate