Arkansas requires minimum liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. Arkansas is an at-fault state. Insurers must offer Personal Injury Protection and uninsured/underinsured motorist coverage, but you can decline them in writing.
- Fault system
- At-fault (tort)
- Minimum liability
- 25/50/25: $25,000 per person, $50,000 per accident, $25,000 property damage
- PIP and uninsured motorist
- Must be offered; you may reject them in writing
- Proof after a violation
- SR-22 filed by your insurer
- Verified by
- Arkansas Online Insurance Verification System
- Regulator
- Arkansas Insurance Department
Arkansas minimum car insurance requirements
| Coverage | Minimum | What it does |
|---|---|---|
| Bodily Injury Liability (per person) | $25,000 | Covers injuries to one other person in a crash you cause. |
| Bodily Injury Liability (per accident) | $50,000 | Total injury coverage for everyone you injure in one crash. |
| Property Damage Liability | $25,000 | Pays for other people's vehicles and property you damage. |
What affects car insurance rates in Arkansas
- Hail and tornadoes: Arkansas sits in a severe-weather corridor, so comprehensive claims for hail and wind damage are a big part of pricing.
- High uninsured rate: Close to one in five Arkansas drivers is uninsured, which makes UM coverage worth keeping even though you can decline it.
- Rural two-lane roads: Much of the state's driving happens on high-speed rural highways where crashes are more severe.
- Your ZIP code: Little Rock, Pine Bluff and West Memphis generally cost more than Northwest Arkansas and smaller towns.
- Vehicle and usage: Trucks and SUVs, long commutes on I-30 and I-40, and business use all move your premium.
How to get cheaper car insurance in Arkansas
Start by comparing. A GEICO quote through DriveLower takes about two minutes and shows you a real rate for your ZIP code, not an estimate. Then stack the savings: bundle auto with renters, home or condo coverage, choose deductibles you can actually afford, keep your coverage continuous, and ask us to check every discount you may qualify for, including good driver, multi-vehicle, military, federal employee and good student.
If you're carrying only the state minimum, consider raising your liability limits. Arkansas premiums are close to the national average, with weather-related claims pushing them above neighboring Tennessee. Either way, the minimums above rarely cover a serious crash today, and the difference in premium is often smaller than people expect; we'll show you both options side by side. Read our guide on liability vs. full coverage and 12 ways to lower your car insurance.
Serving drivers across Arkansas
We quote and write GEICO policies for drivers throughout Arkansas, including:
- Little Rock
- Fort Smith
- Fayetteville
- Springdale
- Jonesboro
- Rogers
- Conway
- North Little Rock
- Bentonville
- Pine Bluff
- Hot Springs
- Benton
- Sherwood
- Texarkana
- Jacksonville
Not listed? Every Arkansas ZIP code works. Enter yours above to get started.
Coverage available in Arkansas
- Auto insurance: liability, collision, comprehensive, UM/UIM, medical payments, roadside and rental.
- Motorcycle insurance, RV insurance and boat insurance.
- Homeowners, condo and renters insurance through the GEICO Insurance Agency.
Arkansas car insurance FAQ
What is the minimum car insurance required in Arkansas?
25/50/25 liability: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage.
Is Arkansas an at-fault state?
Yes. The driver who causes a crash is responsible for the other party's injuries and damage. Arkansas uses modified comparative fault, so you can recover only if you were less than 50% at fault.
Is PIP required in Arkansas?
No. Insurers must offer Personal Injury Protection (medical payments, income disability and accidental death benefits) and uninsured motorist coverage, but you can reject them in writing. Many drivers keep at least medical payments coverage.
How do I prove insurance in Arkansas?
Carry your ID card (digital is accepted). The state verifies coverage electronically when you register a vehicle and during traffic stops.
Can I get an Arkansas quote online?
Yes. Enter your ZIP code and you'll go straight to a secure GEICO quote. Or call (904) 622-1850 to quote by phone.
How much does car insurance cost in Arkansas?
Arkansas premiums are close to the national average. Little Rock, Fort Smith and Fayetteville ZIP codes price higher than rural counties, and severe-weather claims (hail and tornadoes) push comprehensive costs up statewide. Enter your ZIP code to see your real GEICO rate in about two minutes.
What happens if I drive without insurance in Arkansas?
A first offense can bring a fine, registration suspension and reinstatement fees, with higher fines and possible jail time for repeat offenses. Arkansas verifies coverage electronically, so a lapse is usually detected before a traffic stop. Keeping continuous coverage avoids the penalties.
Does GEICO offer car insurance in Arkansas?
Yes. DriveLower is an exclusive GEICO agency operated by IBRP, Inc, and we write GEICO auto, motorcycle, RV and boat policies in Arkansas. Quote online with your ZIP code or call (904) 622-1850 to buy with a licensed agent. Coverage can start the same day.
Do I need an SR-22 in Arkansas?
Only if the state requires one after a suspension, DUI or uninsured-driving offense. The SR-22 is filed by your insurer, usually for three years. GEICO files it electronically; tell us when you quote so the policy includes the filing.