Affordable Arkansas car insurance that puts you first
Root rewards Arkansas drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Arkansas auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Arkansas auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Natural State
Little Rock sits at the crossroads of some of Arkansas’ busiest highways, but the Natural State quickly opens into mountains, forests, and scenic drives. From Northwest Arkansas to the Delta, there’s much more road beyond the capital.
Through Little Rock: I-30 and I-40 are major routes through central Arkansas, while I-430 and I-440 help drivers move around the metro.
Across the Natural State: Fayetteville, Bentonville, and Rogers keep Northwest Arkansas moving, while Hot Springs, Fort Smith, and Jonesboro give drivers plenty of reasons to explore other corners of the state.
Check before heading out: iDrive Arkansas provides real-time road conditions from the Arkansas Department of Transportation, particularly useful when construction or severe weather affects your route.
From Little Rock to Fayetteville and beyond: Explore Arkansas car insurance from Root.
Arkansas's minimum auto insurance requirements
To legally operate a vehicle in Arkansas, you must carry Liability insurance for both bodily injury and property damage.
The minimum coverage amounts for liability car insurance required for drivers in Arkansas are [1] :
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Types of Arkansas auto insurance we offer
Explore our Arkansas car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Arkansas?
The average Arkansas driver pays $2,942 per year for full coverage car insurance [2].
Root customers looking to purchase Arkansas car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Arkansas Auto Insurance FAQs
What is the minimum car insurance required in Arkansas?
To legally operate a vehicle in Arkansas, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (Personal Injury Protection (PIP))
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you must carry without the option to reject it when purchasing auto insurance in Arkansas. Insurers must also offer first-party PIP benefits, and uninsured motorist bodily injury coverage is included unless you reject it in writing.
Is it legal to drive without insurance in Arkansas?
No, you cannot legally drive without auto insurance in Arkansas. State law requires every driver and vehicle owner to maintain continuous liability insurance and carry proof of coverage. If you're found driving without insurance, your driver's license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Arkansas?
Yes. Arkansas requires vehicles to be insured in order to be registered, and you'll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Arkansas?
The easiest ways to save on your Arkansas car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Natural State.
Is Arkansas a no-fault car insurance state?
No, Arkansas is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is generally responsible for damages through their liability insurance.
However, Arkansas insurers must offer Personal Injury Protection (PIP) benefits that help pay covered medical expenses and lost wages regardless of who caused the accident. These benefits apply unless you reject the coverage in writing.
Is auto collision insurance required in Arkansas?
Arkansas law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Arkansas?
Arkansas requires insurers to include uninsured motorist (UM) bodily injury coverage unless you reject it in writing. UM coverage helps pay for covered injuries when an at-fault driver has no insurance.
If you purchase UM bodily injury coverage, insurers must also give you the opportunity to add uninsured motorist property damage (UMPD) coverage. Underinsured motorist (UIM) coverage must also be offered when you select UM coverage. UIM helps cover injuries when the at-fault driver's insurance limits are insufficient.
Root offers UM/UIM and UMPD coverage in Arkansas, and you can review your coverage options in our app. Learn more about Arkansas's uninsured motorist coverage requirements.
Does Root offer full coverage car insurance in Arkansas?
There's actually no such thing as "full coverage" in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Arkansas?
Some Arkansas drivers must provide proof of future financial responsibility following certain motor vehicle violations or unpaid judgments related to a vehicle accident. An SR-22 is a certificate filed by an insurer to verify that a driver maintains the required liability insurance.
Under Arkansas law, these requirements may apply after certain convictions, bail forfeitures, or failures to satisfy judgments. Drivers who fail to provide or maintain required proof of financial responsibility may face continued restrictions on their driving privileges or vehicle registration.
What is an SR-1 form in Arkansas?
An SR-1 is the Arkansas Motor Vehicle Accident Report, which must be filed if you're involved in a car accident that injures or kills anyone, or causes more than $1,000 in property damage to any one person. Additionally, you must submit an SR-21. This form is attached to the SR-1 and must be completed by your car insurance company to verify that you had the minimum required car insurance at the time of the accident.
Is personal injury protection (PIP) required in Arkansas?
No, but Arkansas insurers must offer first-party benefits commonly referred to as Personal Injury Protection (PIP). These include at least $5,000 in medical and hospital benefits, income disability benefits, and accidental death benefits.
PIP helps pay covered medical expenses and lost wages regardless of who caused the accident. You can reject all or individual first-party benefits in writing. Learn more about Arkansas's first-party coverage requirements.
What happens if I'm partly at fault for an accident in Arkansas?
Arkansas follows a modified comparative negligence rule. You can recover damages if your share of fault is less than the fault of the party or parties you're seeking damages from. Your compensation is reduced by your percentage of fault.
If your fault is equal to or greater than the fault of the opposing party or parties, you cannot recover damages from them. Learn more about Arkansas's comparative fault law.
Helpful resources for Arkansas drivers
Arkansas DFA Office of Motor Vehicle
Arkansas DFA issues vehicle titles and license plates, manages registrations, and processes tag renewals.
Arkansas Department of Transportation
ARDOT maintains the state highway system and shares real-time road conditions through iDrive Arkansas.
Arkansas DFA Office of Driver Services
The Arkansas Office of Driver Services issues driver's licenses and ID cards and maintains driving records.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Arkansas Insurance Department. Automobile Insurance Brochure.
Insure.com. Annual average rates were compiled in 2026.