Arkansas Car Insurance

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Arkansas' Ozark mountains at sunset

Common questions about Arkansas auto insurance

Need car insurance in Arkansas? Whether you live in Little Rock or Fayetteville, Liberty Mutual 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 the following car insurance coverage
  • Bodily injury to others
  • Property damage liability

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



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 $1,7682 in 2021 according to That's 16% 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 bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Arkansas auto insurance, so you only pay for what you need.

U.S. Map with Arkansas state highlighted

What Arkansas car insurance coverage is right for you?

All Arkansas drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher coverage limits for more protection. We'll help you customize your Arkansas car insurance to get the coverage that fits you. See all of our auto coverage options.

What's the best car insurance in Arkansas?

Liberty Mutual understands that everyone has individual needs when it comes to their Arkansas auto insurance. Some might want the cheapest Arkansas car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Arkansas car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Arkansas?

Getting the cheapest car insurance in Arkansas sounds great but it could cost you. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

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

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

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Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1See Arkansas DOI for more information:
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance