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
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
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.
Arkansas renters insurance
Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.
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