Arkansas car insurance requirements
Every driver in Arkansas must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Arkansas drivers should know
- Arkansas requires at least 25/50/25 liability coverage. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Insurers in Arkansas must offer personal injury protection and uninsured motorist coverage; you can reject them in writing.
- Arkansas verifies coverage electronically, and driving uninsured can lead to fines and registration suspension.
Home insurance in Arkansas
- Tornadoes, severe storms and hail are common, and parts of the state also see flooding — which needs a separate flood policy.
- Many policies use a separate wind and hail deductible; check what it would cost you after a storm.
Ways to save in Arkansas
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.