Arkansas car insurance

When driving through Little Rock and Fort Smith, you can feel good about dependable Arkansas car insurance from Progressive. Learn about coverage options, state requirements for car insurance in Arkansas, and additional ways you can save.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Arkansas' minimum auto insurance requirements?

Drivers in Arkansas are required to have auto liability coverage (BI liability and PD liability), at the following minimum car insurance limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident

While these are Arkansas' minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Arkansas a no-fault state?

No. Arkansas is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Arkansas?

The average cost of a six-month liability-only car insurance policy in Arkansas is $89.79 per month.^* Keep in mind that rates may vary based on your driving history, ZIP code, the limits and coverages you choose, and more. Learn about all the factors that affect car insurance rates.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.^† Get an auto insurance quote today.

What is the best car insurance in Arkansas?

Finding the best car insurance in Arkansas means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Arkansas get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking for the cheapest car insurance in Arkansas, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $775 on average^††
GEICO customers who switch and save with Progressive save $740 on average^§
State Farm customers who switch and save with Progressive save $565 on average^‡

How do I lower my car insurance cost in Arkansas?

To lower your car insurance cost in Arkansas, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Arkansas is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Arkansas state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.

Arkansas driving resources

From Fayetteville to Springdale, get to know Arkansas' driving laws and resources. These resources apply to Jonesboro, Bentonville, and everywhere in between. Local municipalities may have additional laws and resources.

Arkansas Department of Finance and Administration: Find out how to renew your Arkansas vehicle registration, get a duplicate driver's license or non-driver ID, your REAL ID, and more.
Arkansas traffic safety: Review Arkansas' traffic safety initiatives to help reduce impaired and distracted driving, pedestrian, bicycle, and motorcycle safety, teen driver and many other programs.
Arkansas driver's license FAQs: Get answers to your questions about driver licensing, and gain access to many other online driver services.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.