Arkansas car insurance

Common questions about Arkansas
auto insurance

Need car insurance in Arkansas? Whether you live in Little Rock or Fayetteville, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Arkansas auto insurance, so you only pay for what you need.

What car insurance is required in Arkansas?

In Arkansas, it's illegal to drive without insurance. Drivers in Arkansas are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability

Here are the minimum auto insurance limits drivers must have in Arkansas.¹

Coverage	Amount
Bodily Injury to Others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident

Check out the Arkansas Department of Insurance for more details.

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 coverages

These 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.

What's the average cost of car insurance in Arkansas?

The average cost of car insurance in Arkansas was $2,402² in 2024 according to thezebra.com. That's 10% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Arkansas auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Arkansas state highlighted

Who has the cheapest car insurance in Arkansas?

Getting the cheapest car insurance in Arkansas may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.³