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Arkansas car insurance
Getting car insurance in Arkansas
From the busiest stretches of I-40 to the winding roads of the Ozarks, Arkansas drivers need car insurance that fits where they drive. With our rate comparison tool, you can compare your Progressive quote with rates from other insurers. Get started today and build a policy that fits your budget and coverage needs.
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What are the minimum auto insurance requirements in Arkansas?
Arkansas requires drivers to carry liability insurance with at least the following limits.
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
Injuries you cause to others in an accident |
$25,000 per person |
|
Property damage liability |
Damage you cause to someone else's vehicle or other property in an accident |
$25,000 per accident |
While these are Arkansas's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need.
Switch and save with Progressive
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $950 on average.* Get an auto insurance quote today.
Car insurance discounts in Arkansas
Progressive offers several ways to save on car insurance in Arkansas. Popular discounts include:
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Multi-policy
Save when you have more than one type of insurance policy with Progressive. You may qualify when you combine auto insurance with home, renters, motorcycle, boat, or another eligible policy.
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Paperless
Save when you choose paperless billing and receive your policy documents online. You'll get your statements, ID cards, and policy details by email.
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Online quote
Save when you start your Progressive auto insurance quote online. You can still qualify if a licensed Progressive representative finishes the quote with you by phone.
What is the average cost of car insurance in Arkansas?
Car insurance costs an average of $102.77 per month in Arkansas for a liability-only policy from Progressive in 2025.† That amount is based on one vehicle and one driver. Your rate may vary based on factors such as your driving history, ZIP code, vehicle, and coverage choices.
Factors that impact your auto insurance rate in Arkansas
Insurers consider several details when setting your auto insurance rate in Arkansas, including:
- Driving and claims history: Traffic violations, accidents, and prior claims may affect your rate.
- Vehicle type: Your car's make, model, age, safety features, and repair costs may influence what you pay for coverage.
- Location: Rates may reflect traffic, theft, weather, and other risks where you live. Traffic density and theft specifically are bigger risk factors in major metro areas, such as Little Rock.
- Vehicle use: How often and how far you drive may affect your rate.
- Coverage choices and deductibles: The coverages, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.
Many of these factors may be outside of your control, but you can help lower your rate through discounts and driving safely.
Recommended additional auto insurance coverages in Arkansas
Arkansas's minimum liability coverage helps pay for injuries and property damage you cause, but it doesn't cover every type of damage or expense. Additional coverages can help protect you, your passengers, and your vehicle.
Coverage
|
Coverage |
What it covers |
|---|---|
|
Comprehensive |
Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, animal collisions, and other covered events |
|
Collision |
Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object |
|
Uninsured/underinsured motorist |
Injuries caused by uninsured or underinsured drivers |
|
Personal injury protection (PIP) |
Medical expenses, lost wages, or death benefits after an accident, depending on the PIP coverages you select |
Arkansas insurers must offer personal injury protection, but you can reject PIP coverage in writing. PIP includes separate options for medical payments, lost wages, and death benefits.
If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverages.
Arkansas driving resources
Use these resources to learn more about Arkansas driving laws, insurance requirements, vehicle registration, and road conditions.
- Arkansas Department of Finance and Administration: Find information about driver's licenses, vehicle registration, titles, and other driver and motor vehicle services.
- Arkansas Insurance Department: Review auto insurance information, consumer guidance, and complaint resources.
- Arkansas Highway Safety Office: Find information about impaired driving, seat belts, speeding, motorcycle safety, and other traffic-safety programs.
- IDrive Arkansas: Check current traffic, construction, road closures, weather conditions, and traffic cameras across the state.
How to get car insurance in Arkansas with Progressive
Progressive gives Arkansas drivers several ways to compare coverage options and get an auto insurance quote. If you have a budget in mind, the Name Your Price® tool shows coverage options based on the price you choose.
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Go online
We ask easy questions, and you customize your coverages.
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Call a rep
Talk with a licensed representative who can guide you through the process.
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Through an agent
Connect with an independent agent in your area.
Arkansas car insurance FAQs
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No, Arkansas is an at-fault state. The driver who causes an accident may have to pay for the other party's injuries and property damage.
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What else needs protection in Arkansas?
