Arkansas State Minimum Car Insurance & Requirements

Coverages

Is It Required by Law?

Bodily injury liability coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property damage liability coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 limit per accident.

Uninsured/underinsured motorist coverage (UM/UIM) helps pay for your medical bills and related expenses if an at-fault driver has no insurance (UM), doesn’t have enough insurance (UIM), or, in certain cases, can’t be identified after certain hit-and-run accidents.

Not required but included in policies by default unless rejected in writing.

Personal injury protection helps pay for medical expenses, work loss, and accidental death benefits stemming from an auto accident, regardless of fault.

Not required but will be added unless you reject it in whole or in part.

Collision coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object.

Not required.¹

Comprehensive coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.¹

Medical payments coverage helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required. Policies generally include specified no-fault benefits unless rejected in writing.