Arkansas Car Insurance

Whether you’re commuting into Little Rock in a hybrid sedan or driving the family out for a spa day in Hot Springs, a Farmers FlexSM Personal Auto policy offers options designed for how and what you drive. Discounts can help you save even more.

What car insurance is required in Arkansas?

Arkansas requires a car insurance policy with minimum amounts of liability coverage, which helps pay for damage or injuries to another car or driver. You may want more than the minimums, though, or to cover your car in other ways. As of October 2022, 25/50/25 liability coverage limits are the minimum required in Arkansas.

COVERAGE TYPE

ARKANSAS MINIMUM REQUIREMENTS

Bodily injury liability

$25,000 per person; $50,000 per accident

Property damage liability

$25,000 per accident

COVERAGE TYPE

Bodily injury liability

ARKANSAS MINIMUM REQUIREMENTS

$25,000 per person; $50,000 per accident

COVERAGE TYPE

Property damage liability

ARKANSAS MINIMUM REQUIREMENTS

$25,000 per accident

What is the average cost of car insurance in Arkansas?

Arkansans paid an average of $1,098 a year for full coverage (liability, collision and comprehensive) in 2019, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). However, costs have changed in most states since then. Also, your cost will depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

What does car insurance typically cover in Arkansas?

A typical car insurance policy in Arkansas includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

Farmers® offers many other car insurance options as well, including Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled) and Enhanced Roadside and Ride Assistance. Read more about other kinds of coverage available in Arkansas with a Farmers Flex Personal Auto policy.

Arkansas car insurance discounts

Farmers offers a variety of discounts for our car insurance customers in Arkansas. For example:

  • Welcome Discount
  • Loyalty Discount
  • Five-Year Accident-Free Discount 
  • Multi-Policy Discount 
  • Signal®, which can reward you with an initial discount when you use our Signal app

See more information about additional discounts that may be available in Arkansas.

Crater of Diamonds State Park

grand canyon image

This Arkansas destination is one of the few places in the world where you can search for diamonds – and take home anything you find. More than 33,000 diamonds have been found here since 1972. — Arkansas State Parks


More coverage options in Arkansas

home icon

Arkansas home insurance

Your home is an investment, and you want to protect it like that. Learn more about our Home insurance offerings to help you build the policy that works best for your life style.

View home insurance coverage details for Arkansas

Learn From Experience

Still have questions about cars and how to take care of them? We have answers.


What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

Common Car Myths Solved

When one driver’s habits are another’s worst nightmare, who’s right and who’s wrong? Automotive experts and researchers weigh in with science, technology and driving best practices to settle the bet, once and for all.

You May Be Cleaning Your Car All Wrong, According to These Pro Detailers

These pro auto detailers have seen some pretty disturbing things. (A family of mice living in a car, anyone?) Find out their trade secrets to help keep your car in pristine condition. Hint: You may never use those cup holders again.