Car Insurance in Arkansas
Arkansas drivers spend an average of $1,051 a year on auto insurance according to the NAIC — ▼ −18% versus the national average of $1,282, ranking 33rd most expensive of 51. The state requires 25/50/25 liability coverage and follows an at-fault system.
Average car insurance cost in Arkansas
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $538 for liability, $466 for collision and $292 for comprehensive ($1,296 combined, versus $1,439 nationally). That average expenditure is 13% higher than the NAIC's previous data year ($926). Comprehensive coverage costs notably more than the U.S. average here, which usually reflects weather (hail, wind, flooding) and theft losses.
Minimum car insurance requirements in Arkansas
Arkansas's minimum is written as 25/50/25: $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $650 a year here, $200 more than the minimum.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | 5,000 medical Policies must include personal injury protection (at least $5,000 medical plus wage-loss and death benefits) unless the named insured rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included in the policy unless the named insured signs a rejection. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage must be offered and may be rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are addressed through the PIP benefits described above. | Medical bills for you and your passengers |
Compare with another state
Is Arkansas a no-fault state?
No — Arkansas is an at-fault (tort) state. Arkansas is an at-fault state with add-on PIP: the driver responsible for a crash pays through their liability insurance, and PIP benefits do not limit the right to sue. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.
Uninsured drivers in Arkansas
The Insurance Research Council estimates 12.1% of Arkansas drivers are uninsured — 26th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 8 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Uninsured motorist coverage is included in the policy unless the named insured signs a rejection), but it is still inexpensive protection against hit-and-run and uninsured drivers.
SR-22 requirements in Arkansas
Drivers who must prove financial responsibility after a DUI, an uninsured crash or a serious violation file proof of insurance through their insurer. Confirm the exact form and how long it must be kept with the Arkansas Insurance Department or your state motor vehicle agency.
By our model, a driver in their 30s with a DUI would pay about $855 a year for minimum coverage in Arkansas, versus $450 with a clean record. What is SR-22 insurance?
Estimate your premium in Arkansas
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Car insurance by city in Arkansas
We cover 8 Arkansas cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Jonesboro ($1,465) and the highest in Conway ($1,565).
- Little RockPop. 204,774 · Pulaski County$1,525+8% vs state
- FayettevillePop. 103,134 · Washington County$1,525+8% vs state
- Fort SmithPop. 90,507 · Sebastian County$1,470+4% vs state
- SpringdalePop. 89,368 · Washington County$1,535+9% vs state
- JonesboroPop. 82,384 · Craighead County$1,465+4% vs state
- RogersPop. 75,639 · Benton County$1,525+8% vs state
- ConwayPop. 70,711 · Faulkner County$1,565+11% vs state
- North Little RockPop. 64,498 · Pulaski County$1,515+7% vs state
Estimated cost by driver profile in Arkansas
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in Arkansas.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,235 | $1,790 | $3,875 | $323 |
| Young adult (22) | $720 | $1,040 | $2,255 | $188 |
| Adult in their 30s | $450 | $650 | $1,410 | $118 |
| Adult in their 50s | $415 | $600 | $1,295 | $108 |
| Senior (72) | $500 | $730 | $1,580 | $132 |
| 30s, one at-fault accident | $650 | $945 | $2,045 | $170 |
| 30s, DUI on record | $830 | $1,205 | $2,605 | $217 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $450 | $37 | $370–$530 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $650 | $54 | $535–$770 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,410 | $117 | $1,155–$1,660 |
Cheapest and most expensive cars to insure in Arkansas
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,185 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| Chevrolet Traverse | Midsize SUV | $905 |
| GMC Acadia | Midsize SUV | $960 |
| Subaru Crosstrek | Small SUV | $1,025 |
| Subaru Forester | Small SUV | $1,035 |
| Honda CR-V | Small SUV | $1,050 |
| Subaru Outback | Wagon | $1,055 |
| Honda Pilot | Midsize SUV | $1,055 |
| MINI Cooper | Subcompact car | $1,060 |
| Ford Bronco | Midsize SUV | $1,090 |
| Jeep Wrangler | Midsize SUV | $1,120 |
| Model | Segment | Est. / year |
|---|---|---|
| Lamborghini Urus | Luxury SUV | $4,090 |
| BMW M4 | Luxury sports car | $4,050 |
| BMW M3 | Luxury car | $4,040 |
| BMW 7 Series | Luxury car | $3,560 |
| Mercedes-Benz S-Class | Luxury car | $2,985 |
| Lucid Air | Luxury car | $2,640 |
| Mercedes-Benz G-Class | Luxury SUV | $2,555 |
| Audi RS 7 | Luxury car | $2,425 |
| Mercedes-Benz SL-Class | Luxury sports car | $2,285 |
| Porsche Taycan | Luxury sports car | $2,265 |
Cheap car insurance in Arkansas: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $110 a year on a typical Arkansas full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,065 to $650.
- Drive less, pay less. Low-mileage and usage-based programs can save around $100 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $310 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Arkansas Insurance Department
The Arkansas Insurance Department licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- insurance.arkansas.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-800-852-5494
Arkansas vs. neighboring states
| State | NAIC avg. | Minimums | System | Uninsured |
|---|---|---|---|---|
| Arkansas | $1,051 | 25/50/25 | At-fault (tort) | 12.1% |
| Louisiana | $1,754 | 15/30/25 | At-fault (tort) | 11.7% |
| Mississippi | $1,200 | 25/50/25 | At-fault (tort) | 28.2% |
| Missouri | $1,155 | 25/50/25 | At-fault (tort) | 20.7% |
| Oklahoma | $1,084 | 25/50/25 | At-fault (tort) | 12.0% |
| Tennessee | $1,050 | 25/50/25 | At-fault (tort) | 21.3% |
| Texas | $1,429 | 30/60/25 | At-fault (tort) | 14.5% |
Frequently asked questions
How much is car insurance in Arkansas?
NAIC data puts the average Arkansas auto insurance expenditure at $1,051 a year, 18% less than the national average of $1,282 (rank 33 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,410 a year ($117 a month); state-minimum liability is about $450.
What is the minimum car insurance required in Arkansas?
Arkansas requires at least 25/50/25 liability coverage: $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage.
Is Arkansas a no-fault state?
No. Arkansas is an at-fault state with add-on PIP: the driver responsible for a crash pays through their liability insurance, and PIP benefits do not limit the right to sue.
How many drivers in Arkansas are uninsured?
The Insurance Research Council estimates that about 12.1% of Arkansas drivers are uninsured, ranking 26th in the nation (national estimate: 15.4%).
Which Arkansas city has the cheapest car insurance?
Among the 8 cities we cover, Jonesboro has the lowest full-coverage estimate at about $1,465 a year, while Conway is the highest at about $1,565. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Arkansas?
An 18-year-old on their own full-coverage policy would pay roughly $3,875 a year in Arkansas by our estimate, or about $1,235 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Arkansas?
Contact the Arkansas Insurance Department (consumer line 1-800-852-5494). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Arkansas DFA Office of Driver Services: Safety Responsibility (25/50/25 proof)
- Arkansas Code 23-89-202 (required first-party PIP coverage)
- Arkansas Code 23-89-403 (uninsured motorist coverage)
- Arkansas Insurance Department: Automobile Insurance brochure
- Arkansas Insurance Department: File A Complaint
- Arkansas Code 23-89-209 (underinsured motorist coverage)
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index