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Arkansas Auto Insurance
Automobile insurance can be confusing and potentially expensive, especially for those with less than perfect credit or poor driving records. With a little reading and research, however, consumers in Arkansas can find car insurance easier to understand and to afford.
For those looking for cheap auto insurance in Arkansas, the process may be simpler than one may think. Auto insurance in Arkansas doesn’t haven’t to be complicated. In this article you will quickly learn about automobile insurance in Arkansas, important Arkansas driving laws, what is required of drivers in the state and you will discover the factors important in determining automobile insurance rates in Arkansas.
Car Insurance Requirements in Arkansas
Arkansas car insurance laws require drivers to carry liability insurance to pay for damages they may cause in an accident. The Arkansas minimum auto insurance requirements for liability coverage are as follows:
- $25,000 per person for bodily injury
- $50,000 for total bodily injury per incident if more than one person was involved
- $25,000 per accident for property damage
Arkansas car insurance laws do not require comprehensive, collision or uninsured motorist coverage, although they are available as options.
Is Arkansas a No-Fault State?
No, Arkansas is not a no-fault state, which means that anyone involved in an accident needs to show that someone else is the cause of the accident for their insurance company to compensate for any damages or injuries caused by the accident.
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Car Insurance Prices in Arkansas
The average rate for liability car insurance in Arkansas is $770 for state minimum coverage. Car insurance rates for teens are highest in the state with liability coverage averaging over $2,000 annually. The lowest insurance prices are paid by those between 45 years of age and 55 years of age, with liability premiums averaging $370 for liability coverage.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Chevrolet | Male – 46% | Female – 54% | Little Rock | ||
| 25 – 54 | Chevrolet | Male – 41% | Female – 59% | Little Rock | ||
| 55 – 64 | Ford | Male – 35% | Female – 65% | Little Rock | ||
| 65 + | Ford | Male – 38% | Female – 62% | Little Rock | ||
* This information is based on Pretected.com users.
Traffic Violations and Fines in Arkansas
Speeding Ticket Cost in Arkansas
Getting a speeding ticket in Arkansas can add between three and 14 points to a driving record and result in fines of up to $500. Speeding 15 miles or more over the speed limit can lead to a charge of reckless driving in Arkansas and result in jail time.
Driving While High Laws in Arkansas
Driving while intoxicated laws in Arkansas are similar to those in other states allowing for a driver to be cited if they have a blood alcohol content (BAC) of .08 or higher. Driving while impaired laws in Arkansas also provide for penalties for driving while under the influence of marijuana and prescription drugs.
Driving Without Car Insurance in Arkansas
Driving without car insurance in Arkansas can result in escalating fines depending on if the driver is a repeat offender. Fines for a first offense range from $50 to $250, a second offense will lead to fines of $250-$500 and third offenses will result in fines of $500-$1000.
Texting and Driving in Arkansas
Distracted driving in Arkansas includes a variety of activities including cell phone use while driving and eating while driving. Texting while driving in Arkansas is illegal and drivers can be ticketed resulting in fines starting at $100.
Weird traffic laws in the state make it illegal to honk your horn after 9 pm at a sandwich shop in Arkansas.
Arkansas Car Accidents
Car accidents statistics from 2025 (last available) state that there were 60,947 car accidents in Arkansas. Car accidents in Arkansas are among the highest per capita in the country. State highways in Arkansas are where most accidents occur with 62% of all accidents and 79% of all fatal accidents occurring on state highways.
Reasons for Car Accidents in Arkansas
Of the 60,947 total accidents that took place in 2025 in Arkansas, 18,175 resulted in injuries affecting 27,502 people. There were 436 fatal crashes that resulted in 470 deaths. Of those 436 fatal crashes, 192 or 44% were drug or alcohol related.
Car Accident Statistics by Vehicle Type in Arkansas
The most frequently occurring accident in Arkansas involves a passenger car and some form of a light truck. Consider however that light trucks include pickup trucks, SUVs and mini-vans. The most common cause of accidents in Arkansas, including those involving motorcycles is excessive speed.
Car Accidents in Arkansas ““ More Facts
- From 2025–2025 the 21-25 age group experienced the most traffic fatalities
- Nonfatal injury rates from accidents have reduced by 50% since 2025 in Arkansas
- About 80% of all crashes in Arkansas occur in dry conditions
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Arkansas
- Drivers as young as 14 years old can get a learner’s permit in Arkansas if they can prove they are in school and have at least a 2.0-grade average.
- In 2025 the town of Damascus, Arkansas was banned from issuing speeding tickets for violating the state’s speed trap law.
Looking for Auto insurance in Arkansas? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s “Smart Match”:
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Sources and References
- https://www.dmv.org/ar-arkansas/car-insurance.php
- https://www.insurance.com/auto-insurance.aspx
- https://www.kieklaklawfirm.com/many-car-accidents-per-day-arkansas/
- https://static.ark.org/eeuploads/asp/crash_stats_2014.pdf
- https://www.kieklaklawfirm.com/common-types-car-accidents-arkansas/
- https://www.elliottsmithlaw.com/top-5-causes-motorcycle-accidents-arkansas/
- https://www.thenewspaper.com/news/65/6531.asp