What are Arkansas' auto insurance requirements?

If you're an Arkansan who drives, you're required to have liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage per accident

These are the minimum limits you need, but you might want higher limits to safeguard your assets. Get more information about auto liability insurance.

Comprehensive & collision coverage can protect your vehicle against damage

Most lenders require comprehensive and collision coverage for a financed or leased vehicle. But even if you own your car outright, wouldn't it be nice to know you're covered if your vehicle gets damaged or stolen? Use our car insurance calculator to see if comprehensive and collision make sense for you.

Learn more about all auto coverages available through Progressive.

Thinking of switching insurance? Drivers nationwide who switch and save with us save over $650 on average.* Get a car insurance quote today.

How much does insurance in Arkansas cost?

In 2018, Arkansas had a lower average expenditure for car insurance than most other states, according to the Insurance Information Institute. Keep in mind that rates may vary based on your driving history, ZIP code, and the limits and coverages you choose.

See more about what determines car insurance price.

Are there discounts available to help save on my Arkansas auto insurance?

Yes. Progressive offers plenty of ways to get cheaper car insurance in Arkansas with discounts and other incentives, including:

  • Multi-policy
  • Multi-car
  • Homeowner
  • Online signature
  • Five-year claim-free
  • Teen driver
  • Paid in full
  • Distant student
  • Recent college graduate
  • Snapshot®

When you bundle your car and home insurance in Arkansas, you'll save money while protecting your two most valuable assets. Progressive lets you bundle two or more policies, so Arkansas residents can save when they bundle any combination of home, auto, renters, and RV insurance.

See all car insurance discounts.

What Arkansas drivers should know before getting behind the wheel:

  1. Arkansas requires drivers and all front-seat passengers to wear a seat belt.

  2. In 2019, Arkansas was in the top 10 states with the most uninsured drivers. Consider uninsured motorist coverage to protect yourself if the other driver can't pay.

  3. Texting while driving is banned in Arkansas and can get you pulled over. Save the conversation for later to avoid a ticket and stay safe on the road.

How to get car insurance in Arkansas


Answer some easy questions and choose coverages.

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