Car Insurance in Arkansas
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The legal minimum, what drivers in Arkansas pay and who offers the lowest prices.
- $122.the average monthly price for full coverage.
- 25/50/25.the lowest liability limits you must carry.
- 21st of 51.the priciest state for coverage (1st = highest).
How much car insurance costs in Arkansas
Full coverage costs the average Arkansas driver $1,465 a year, or about $122 a month. With just the legal minimum in place, a policy averages $586 a year. That's 9% below what drivers pay on average across the US, which is $1,613 a year.
| Coverage in Arkansas | Per year | Per month |
|---|---|---|
| Liability | $586 | $49 |
| Collision | $508 | $42 |
| Comprehensive | $371 | $31 |
| Full coverage (all three) | $1,465 | $122 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Arkansas's legal minimum
In Arkansas, the law sets minimum liability limits of 25/50/25. Each person hurt is covered up to $25,000, all people hurt in a single crash up to $50,000, and damage to other people's property up to $25,000.
Arkansas follows an at-fault rule, so a driver who causes a crash pays using their liability coverage.
You don't need to carry uninsured motorist cover, but in most states insurers must offer it.
Source: Arkansas Insurance Department, Automobile Insurance Brochure.
How many Arkansas drivers lack insurance
In 2023, about 12% of Arkansas drivers had no car insurance, the 26th highest share of the 51. If an uninsured driver hits you, uninsured motorist cover pays your bills.
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