Arkansas

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2009-07-01

Important Notes

Arkansas law requires insurance companies to offer PIP coverages ($5,000 minimum medical), but it can be waived.

Uninsured / Underinsured Motorist

Must be offered; rejection must be executed in writing.

SR-22 Filings

Required for 3 years following safety responsibility law violations or DWI convictions.

Alternatives to Insurance

Cash deposit or bond of $75,000 filed with the Office of Motor Vehicles.

Official Source

Arkansas Department of Finance and Administration

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.