Insurance
Car Insurance in Arkansas
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Arkansas drivers spend more of their income on car insurance than most Americans. In 2021, households spent about 1.74% of their income on it, the 12th least affordable state, compared with 1.50% nationally.
So it pays to understand what you're buying. Arkansas has two rules worth knowing up front: a three-part PIP coverage you have to turn down in writing if you don't want it, and mandatory fines for driving uninsured.
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What Arkansas requires
Arkansas's minimum is 25/50/25:
- $25,000 for injury or death of one person
- $50,000 for injury or death of two or more people
- $25,000 for damage to other people's property
That pays others when you cause a crash. It doesn't fix your car or pay your own medical bills.
PIP in three parts
Arkansas insurers offer personal injury protection (PIP) in three parts. You can buy any one, any two, or all three:
| PIP part | What it pays |
|---|---|
| Medical payments | Doctor bills, X-rays, ambulance, and funeral costs |
| Lost wages | Part of your income if you can't work (with limits) |
| Death benefits | A payment if someone covered dies in a crash |
To skip PIP, you must reject it in writing. If you sign a form without reading it, you may be giving it up without meaning to. If you have little health coverage or no sick leave, PIP can matter a lot.
What driving uninsured costs
About 12.1% of Arkansas drivers were uninsured in 2023. Getting caught without insurance carries mandatory fines:
| Offense | Fine |
|---|---|
| First | $100 to $250 (mandatory) |
| Second | $250 to $500 |
| Third or more | $500 to $1,000, up to a year in jail, or both |
Your registration is also suspended until you show proof of insurance.
At a traffic stop, police check Arkansas's Vehicle Insurance Database. If neither the database nor your insurance card shows current coverage, you're presumed uninsured. Make sure your insurer has your car listed correctly.
After a crash in Arkansas
- File an SR-1 accident report within 30 days if anyone was hurt or killed, or if property damage to any one person is over $1,000, no matter who was at fault.
- You may have to prove financial responsibility even if you didn't get a ticket, since a court could still find you liable.
- Got a suspension notice? You can ask for a hearing, but you must request it within 20 days.
Hail and storms
Arkansas gets severe hail and tornadoes. Comprehensive is the coverage that pays when a storm or flood damages your car. Liability-only policies don't cover your own car at all.
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Own a home in Arkansas? See Arkansas homeowners insurance. Need to file proof of insurance after a suspension? See SR-22 insurance.
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Sources
- Arkansas Insurance Department, Automobile insurance guide (2025)
- Arkansas Code § 27-22-103 (penalty for driving uninsured)
- Arkansas Code § 27-22-111 (proof of insurance at a traffic stop)
- Arkansas DFA, Safety responsibility
- Arkansas Insurance Department, Severe weather tips
- Insurance Information Institute, Uninsured motorists and affordability (IRC)