The state of Arkansas is a tort state.  A tort operated state requires drivers to be responsible for property and medical damage when accidents happen.  Therefore, minimum insurance needs to be liability to cover these costs in case of an accident.  However, it is always advisable to purchase more than the minimum in order to protect your assets.

Q: “What is the minimum amount of auto insurance coverage that I need in Arkansas?”

Minimum liability coverage for auto insurance in Arkansas is 25/50/25.  This means that minimum coverage for personal injury is $25,000 (per each person), $50,000 for all injured persons, and $25,000 for property damages .  Again, this is minimum coverage required by the state of Arkansas.  Arkansas does not require uninsured motorist injury coverage which protects you in the event of a hit-and-run or if you are injured by a driver with no insurance.    Even though this type of coverage is not required, it is highly advisable to get this type of insurance since these types of accidents can be very costly.

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Current Providers in Arkansas

For More Information

For more information on Arkansas auto insurance rates, feel free to contact:

Arkansas Insurance Department
1200 West Third Street
Little Rock, AR 72201
Phone: (800) 282-9134
Fax: (501) 371-2618