Arkansas Car Insurance: The Complete 2025 Guide
Affordable coverage in the Natural State—here's what you need to know.
Arkansas Quick Facts
🤯 The Arkansas Mindblower
Arkansas has a surprisingly high 16.6% uninsured driver rate—about 1 in 6 drivers has no insurance. Combined with low liability minimums, this means your UM/UIM coverage is critical. Without it, you could be stuck with massive bills from an uninsured at-fault driver.
Arkansas Minimum Insurance Requirements
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical bills for one injured person |
| Bodily Injury (per accident) | $50,000 | Total per accident |
| Property Damage | $25,000 | Damage to other vehicles |
| PIP/Med Pay | Not required | Optional |
| Uninsured Motorist | Not required | HIGHLY recommended |
Average Car Insurance Costs in Arkansas
| Coverage Level | Annual Premium | Monthly Cost |
|---|---|---|
| State Minimum | $548 | $46 |
| Full Coverage | $1,680 | $140 |
Costs by Arkansas City
| City | Avg. Annual Premium | vs. State Avg. |
|---|---|---|
| Little Rock | $2,040 | +21% |
| Fort Smith | $1,780 | +6% |
| Fayetteville | $1,620 | -4% |
| Bentonville | $1,580 | -6% |
| Rural Arkansas | $1,380 | -18% |
Top Car Insurance Companies in Arkansas
State Farm
Largest insurer in Arkansas. Strong agent network statewide.
Shelter Insurance
Regional carrier strong in Arkansas. Competitive rates for safe drivers.
GEICO
Often cheapest for good drivers. Online and phone service.
Progressive
Good for drivers with accidents or violations.
Arkansas-Specific Considerations
Modified Comparative Fault
Arkansas follows a 50% bar rule. If you're 49% at fault, you can recover 51% of damages. At 50% or more fault, you recover nothing.
Severe Weather
Arkansas sees tornadoes, severe thunderstorms, and flooding. Comprehensive coverage protects against all of these.
Credit Score Impact
Arkansas allows credit-based insurance scores. Poor credit can significantly increase your rates.
Bottom Line: Arkansas Car Insurance
Arkansas offers affordable car insurance, but the high uninsured driver rate (16.6%) makes UM/UIM coverage essential. Don't skip it to save a few dollars.
Shop State Farm, Shelter, and GEICO. Northwest Arkansas (Fayetteville, Bentonville) has the best rates; Little Rock the highest.