Auto Insurance Minimum Requirements
Arkansas requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Arkansas is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
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.
Fine
$50–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Arkansas?
Arkansas requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Arkansas a no-fault state?
No, Arkansas is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Arkansas?
Uninsured motorist coverage is not required in Arkansas, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Arkansas?
Driving without insurance in Arkansas can result in fines of $50–$1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Arkansas?
SR-22 filings are used in Arkansas for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following safety responsibility law violations or DWI convictions.
What does 25/50/25 mean in Arkansas?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Arkansas Department of Finance and Administration
More Arkansas Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Arkansas Department of Finance and Administration publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.