Fair auto insurance in Arkansas
From Fort Smith to Little Rock and Jonesboro to Pine Bluff, good drivers in Arkansas can get the cheap car insurance rates they deserve. In fact, good drivers could save hundreds. Download our easy-to-use app and see if your safe driving can save you money on quality coverage.
How it works
Traditional auto insurance companies heavily rely on demographics—how old you are, your credit score, marital status, ZIP code, whether you own a home, etc.—when determining your car insurance rate. While we also take demographics into account when determining the rate we offer you, how safe you are behind the wheel is the #1 factor influencing your rate.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for car insurance in Arkansas
What are the minimum auto insurance requirements in Arkansas?
To legally operate a vehicle in Arkansas, you must carry Liability insurance. If you are found driving without it, you may face fines and suspension of your vehicle registration.
Liability coverage
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It typically does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.
Minimum required Liability coverage in Arkansas:
$25,000 Bodily Injury (per person)
$50,000 Bodily Injury (per accident – multiple people injured)
$25,000 Property Damage
Remember you can select higher limits if you’d like more coverage.
SR-1 and SR-21
An Arkansas Motor Vehicle Accident Report (SR-1) must be filed if you’re involved in a car accident resulting in:
More than $1,000 in property damage to any person
Injury to any person
Death to any person
Additionally, you must submit at an SR-21. This form is attached to the SR-1 and must be completed by your car insurance company proving that you had the minimum required car insurance at the time of the accident.
What is SR-22 insurance?
SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the Arkansas Department of Finance and Administration. You can easily request an SR-22 in the Root app.
What other coverages does Root offer?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
What is the average cost of car insurance in Arkansas?
The average Arkansan pays $1,957 [1] per year for their auto insurance policy, but many drivers pay a lot more. Bad drivers often drive up prices for good drivers. Root doesn’t insure bad drivers, so Root customers could save up to $900 a year—all while enjoying fair and simple car insurance.
Start saving on car insurance in Arkansas
Get an auto insurance quote based primarily on how you drive. You could save hundreds.