Arkansas Auto Insurance Requirements, Costs & Coverage Guide 2026
✓ Updated January 2026 – Based on Real Arkansas Quotes

Arkansas Auto Insurance Requirements & Costs

Complete guide to Arkansas car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.

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Key Takeaways: Arkansas Auto Insurance Data

Data Source: All rates and statistics on this page are based on real first-party auto insurance quotes collected by our licensed agents in Arkansas. This is not national average data or advertised rates—these numbers reflect actual consumer quote activity in Arkansas during 2026.

Average Monthly Rate in AR
TBD
Based on real quotes from our licensed agents — update when AR quote data is available
Liability vs Full Coverage
TBD
Arkansas liability-only vs full coverage comparison — update when AR quote data is available
Price Range Across Carriers
TBD
Carrier spread comparison for Arkansas drivers — update when AR quote data is available
State Minimum Coverage
25/50/25
Arkansas’s minimum liability requirements protect you and others on the road

Arkansas Auto Insurance Requirements

Arkansas law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.

At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.

Coverage Type Minimum Required What It Covers
Bodily Injury (per person) $25,000 Medical expenses and lost wages for one person injured in an accident you cause
Bodily Injury (per accident) $50,000 Total medical expenses and lost wages for all people injured in an accident you cause
Property Damage $25,000 Damage to another person’s vehicle or property in an accident you cause
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection. Arkansas mandates continuous insurance monitoring, and lapses can trigger registration suspension.

Optional but Recommended Coverage

While not legally required, these coverages provide crucial protection:

  • Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
  • Collision: Covers damage to your vehicle from accidents, regardless of fault
  • Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
  • Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault

Learn more about different coverage types on our auto insurance guide, or explore Arkansas liability insurance options in detail.

Average monthly auto insurance rate by state

Filters: Filters: State AR

Source ... A Plus Insurance Quote Dataset

AR
$144.78
  • Pricing ranges from $144.78 (AR) to $144.78 (AR) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $144.78. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0

How Violations & Risk Factors Affect Your Arkansas Rates

Your driving record and risk profile significantly impact insurance costs in Arkansas. Understanding these factors helps you anticipate rate changes and make informed decisions.

Understanding SR-22 Insurance in Arkansas

An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Arkansas Department of Public Safety. You may need an SR-22 if you have:

  • DUI or DWI conviction
  • Multiple traffic violations in a short period
  • At-fault accident without insurance
  • License suspension or revocation
  • Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Arkansas.

Need SR-22 insurance? Learn more about SR-22 insurance in Arkansas and get quotes from providers who specialize in high-risk coverage.

SR22 vs non SR22 rate comparison

Filters: Geo_mode state, _show_summary , State AR

Source ... A Plus Insurance Quote Dataset

Liability only

Filters: Geo_mode state, _show_summary , State AR, Coverage liability_only

StateNon SR22 avg monthlySR22 avg monthlyDollar difference

Last updated: 2026-02-08 21:45:10

Download CSV (evidence)

Full coverage

Filters: Geo_mode state, _show_summary , State AR, Coverage full_coverage

StateNon SR22 avg monthlySR22 avg monthlyDollar difference
AR$144.78

Last updated: 2026-02-08 21:45:10

Download CSV (evidence)

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)
Record ID Agent Agent NPN State City ZIP Age Sex Marital Status Currently Insured Prior Carrier Vehicle Year Vehicle Make Vehicle Model Coverage Package Carrier Quoted Monthly Premium SR22 Required DUI Flag DUI Count Accidents Count Violations Count Created At
1443 Ruby Finley 21453504 AR Fayetteville 72704 33 male married yes All Other Standard Companie 2020 NISSAN KICKS SR full_coverage NatGen Value DynamicDrive 144.780000 no no 0 0 0 2026-02-06 18:37:07
1443 Ruby Finley 21453504 AR Fayetteville 72704 33 male married yes All Other Standard Companie 2020 NISSAN KICKS SR full_coverage NatGen Value DynamicDrive 144.780000 no no 0 0 0 2026-02-06 18:37:07

How DUI Affects Your Arkansas Insurance Rates

A DUI conviction has severe consequences for auto insurance in Arkansas:

  • Rate Increase: Average increase of 60-100% for 3-5 years
  • SR-22 Requirement: Mandatory filing for minimum 3 years
  • Limited Options: Many standard insurers will not cover DUI drivers
  • Long-term Impact: DUI stays on your record for 5 years in Arkansas

After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.

Common Traffic Violations and Rate Impacts in Arkansas

Violation Type Typical Rate Increase Duration of Impact
Speeding (15+ mph over) 20-30% 3 years
At-fault accident 30-50% 3-5 years
Reckless driving 40-70% 3-5 years
DUI/DWI 60-100% 5-10 years
Driving without insurance 50-80% 3 years
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.

Liability only vs full coverage by company

Filters: State AR

Source ... A Plus Insurance Quote Dataset

Liability only Full coverage
National General
—
$144.78

Across these carriers, liability only averages $0.00 per month, while full coverage averages $144.78.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0

Cheapest auto insurance companies

Filters: Filters: State AR

Source ... A Plus Insurance Quote Dataset

National General
$144.78
  • Pricing ranges from $144.78 (National General) to $144.78 (National General) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $144.78. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0

Driver age average monthly by area

Filters: Filters: State AR

Source ... A Plus Insurance Quote Dataset

33
$144.78
  • Pricing ranges from $144.78 (33) to $144.78 (33) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $144.78. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0

Driver sex average monthly by area

Filters: Filters: State AR

Source ... A Plus Insurance Quote Dataset

male
$144.78
  • Pricing ranges from $144.78 (male) to $144.78 (male) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $144.78. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0
1443 20251209-113707-0541 2025-12-09 AR Fayetteville 72704 2020 NISSAN KICKS SR 33 male married full_coverage NatGen Value DynamicDrive 144.78 0 0 0

Auto Insurance Coverage Across Arkansas Counties

Find detailed auto insurance information, rates, and requirements specific to your Arkansas county.

Pulaski County Benton County Washington County Sebastian County Craighead County Faulkner County Saline County Garland County Jefferson County White County Lonoke County Crawford County Pope County Miller County Crittenden County Greene County Mississippi County Carroll County Independence County Union County

Frequently Asked Questions

What are the minimum auto insurance requirements in Arkansas?
Arkansas requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. This is the legal minimum to drive in Arkansas, though most financial advisors recommend higher limits for better protection.
How much does auto insurance cost in Arkansas?
Auto insurance costs in Arkansas vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Little Rock and Fayetteville typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Arkansas a no-fault insurance state?
No, Arkansas is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Arkansas.
What happens if I get caught driving without insurance in Arkansas?
Driving without insurance in Arkansas results in serious penalties: fines, suspension of your driver’s license and vehicle registration, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Arkansas takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Arkansas?
You need SR-22 insurance in Arkansas if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Arkansas Department of Public Safety proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Arkansas?
A DUI in Arkansas typically increases your insurance rates by 60-100% and remains on your driving record for 5 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for several years.
Should I get more than the minimum coverage in Arkansas?
Yes, most insurance experts recommend purchasing more than Arkansas’s minimum 25/50/25 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus uninsured motorist coverage, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Arkansas?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Arkansas drivers $400 or more annually.

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Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.
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Last Updated on by Jayleen Ridgeway

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