Arkansas drivers pay around $2,427 a year for full coverage — about 10% under the national average. The state is at-fault with a 25/50/25 liability minimum, and credit history counts as a permitted rating factor. Here's the coverage you must carry, what Arkansans pay, and how to find a cheaper rate.
Arkansas runs on an at-fault (tort) basis with a 25/50/25 liability minimum. Insurers have to offer PIP and uninsured-motorist coverage, but drivers may waive them in writing. Full coverage averages roughly $2,427 a year, about 10% under the national average, with severe-weather exposure — tornadoes and hail — a notable driver of comprehensive claims. Credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Arkansas. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $25k | Mandatory |
| Personal injury protection | Optional | Must be offered; can be waived |
| Uninsured motorist | Optional | Offered; may be waived |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,427/yr | 10% below U.S. | Comprehensive and collision included |
| Minimum coverage | $502/yr | 40% below U.S. | Liability only at 25/50/25 |
Estimates apply national rate-increase multipliers to Arkansas's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,427/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,471/yr | +43% | 2,427 × 1.43 per Bankrate |
| Speeding ticket | ~$3,009/yr | +24% | 2,427 × 1.24 per Bankrate |
| DUI on record | ~$4,563/yr | +88% | 2,427 × 1.88 per Bankrate |
| Young driver (18–24) | ~$4,854/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$4,126/yr | +70% | 2,427 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Arkansas's below-average pricing is appealing, but weather risk makes comprehensive coverage worth holding onto, and the 25/50/25 minimum contributes nothing toward your own car. Since insurers must offer PIP and uninsured-motorist coverage, drivers can layer in extra protection affordably. With credit and location creating big gaps between carriers, comparing quotes is the surest way to lock in Arkansas's low baseline.
Arkansas is an affordable state for auto insurance, though weather risk and a liability-only minimum make a case for keeping full coverage. Weighing carriers and holding onto good credit is the best way to keep an Arkansas rate low.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Arkansas are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Arkansas insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.