From relaxing spas in Hot Springs to jaw-dropping views in the Ozarks, Arkansas has an adventure for everyone. But before you hop in the car and start driving to your destination, it’s important to make sure you and your car are protected with affordable auto insurance that meets your specific wishes.

Direct Auto Insurance is proud to offer cheap car insurance in Arkansas, the “Natural State.” In this guide, we’re teaching you which coverages are mandatory, which ones are optional, and how Direct Auto can help you find cheap Arkansas car insurance. Get a free quote to see how much money you can save with Direct.

Arkansas Car Insurance Laws

Do you have to have car insurance in Arkansas?

Arkansas law requires all drivers to maintain continuous liability insurance for any vehicle they have registered in the state. Arkansas auto insurance policies must at least meet the minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Arkansas are 25/50/25, as shown below under Arkansas Minimum Car Insurance Requirements.

Arkansas Minimum Car Insurance Requirements

Wondering what your insurance policy needs to fulfill Arkansas insurance requirements? Here’s a quick breakdown by coverage type.

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 property damage per accident.
Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.	Not required but will be added unless you reject them 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, regardless of fault.	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

IMPORTANT NOTE: While purchasing liability-only coverage ensures you’re following Arkansas’ insurance laws, it doesn’t necessarily protect you and your vehicle in every circumstance. You might need to add additional coverage, like comprehensive and collision, to protect yourself and your car more fully.

¹Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For added peace of mind, Direct Auto offers add-on services and other insurance products for Arkansas drivers:

Arkansas Proof of Financial Responsibility and Penalties

What if I don't meet Arkansas’ minimum car insurance requirements?

Arkansas drivers must carry proof of insurance to own and operate a vehicle in the state. The penalties for driving without insurance in Arkansas range from monetary fines to jail time, depending on which offense it is, if there was an accident, and other factors.

As soon as the State's online insurance verification system is alerted of a lapse in coverage, a letter is automatically sent to the vehicle owner notifying them that their vehicle registration will be suspended, according to the Arkansas Democrat Gazette. You’ll then have to pay a fine and provide proof of coverage by the set date to avoid the suspension or further penalties.

Penalties for Driving with a Suspended License in Arkansas

In Arkansas, driving a vehicle without a license or with a suspended or revoked license is a misdemeanor. The penalties include a steep fine and potential jail time.

High-Risk Auto Insurance in Arkansas

Most individuals don’t have a perfect driving record, and after a few violations or a serious violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurers offer non-standard insurance (also called high risk auto insurance) to provide financial protection for these drivers.

At Direct Auto, we're proud to offer auto insurance coverage to all Arkansas drivers. We believe your driving history shouldn't define you forever, and we work hard to help you get quality, affordable coverage, regardless of your past.

Where can I find the cheapest car insurance rates in Arkansas?

Car insurance costs vary depending on a number of factors, including:

The amount & type of coverage you choose
The year, make, and model of the vehicle you drive
How much you drive, where you drive, and where you live
Your demographics
Your driving record
Your credit history

Other Arkansas Auto Insurance Resources

Find Cheap Car Insurance in Arkansas with Direct Auto!

Looking for affordable and cheap car insurance in Arkansas? Get a free car insurance quote for a Direct Auto policy today that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible.

*Emergency Protection Plans (EPP) and Roadside Assistance are not insurance and are administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states

** The “Direct Auto Insurance” brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. Direct Auto Insurance branded policies are produced by Direct General Insurance Agency, Inc. dba “Direct Auto Insurance” and by National General Insurance Marketing Inc

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