Ranked #19 of 51 by Cost
2026 Arkansas Car Insurance Calculator
Estimate your monthly premium based on The Natural State averages
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Local insurance tip
Arkansas does not require Uninsured Motorist coverage, but the state has a persistently high uninsured driver rate estimated above 16%. Adding UM is typically inexpensive in Arkansas and provides critical protection on the state's many rural two-lane highways where emergency response times are long and at-fault drivers are often underinsured.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| AR minimum | $103 | Legal bare minimum (liability only) |
| Standard liability | $164 | High Liability, no physical damage |
| Full coverage | $219 | Comprehensive ($500 ded.) |
| Premium protection | $298 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $646 |
| 20-24 | High | $361 |
| 25-54 | Standard | $219 |
| 55-69 | Low | $208 |
| 70+ | Moderate | $274 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $219 |
| Speeding Ticket | Moderate | $267 |
| At-Fault Accident | High | $324 |
| DUI / DWI | Very high | $624 |
Arkansas Snapshot · July 2026
$219/mo
State avg (-11% US AVG)
#19
National Rank
41%
County Spread
Rate by Neighboring States (7)
State Insight
Arkansas is dramatically cheaper than Louisiana despite sharing a border. Louisiana's direct action statute allows injured parties to sue insurers directly, producing some of the highest litigation costs in the country. Arkansas has no such mechanism, keeping claim costs and premiums a fraction of what Louisiana drivers pay.
Rate by Cities (Top 20)
Compared to AR avg ($219)
City Insight
Little Rock sits near the state average despite being the capital and largest city, reflecting Arkansas's generally low litigation activity statewide. Texarkana is the clearest outlier — straddling the Texas border, drivers face rating exposure from one of the more expensive markets in the country, pushing rates well above what the rest of Arkansas pays.
Rate by Counties (75)
Compared to AR avg ($219)
County Insight
The southeastern counties cluster at the top of the rate table, driven by higher uninsured driver exposure and economic conditions that correlate with more frequent claims.
What Every Arkansas Driver Needs To Know
What are the minimum car insurance requirements in AR for 2026?
Arkansas requires 25/50/25 minimums: $25,000 bodily injury per person, $50,000 per accident and $25,000 for property damage. Arkansas is an at-fault state and does not mandate PIP or Uninsured Motorist coverage.
Does Arkansas follow at-fault or no-fault rules?
Arkansas is a pure at-fault state. The driver who causes the accident is financially responsible for all resulting damages. Arkansas applies modified comparative fault with a 50% bar — if you are found 50% or more at fault, you cannot recover any damages from the other driver.
Is there anything unique about insuring a vehicle in rural Arkansas?
Rural Arkansas drivers often pay significantly less for liability coverage but face unique risks that make comprehensive and collision coverage especially valuable. Deer collisions are among the highest per capita in the South and hail storms across the Arkansas River Valley and Delta can cause significant vehicle damage. Dropping comprehensive to save money in rural areas is a risk worth carefully evaluating.
What are the penalties for driving uninsured in Arkansas?
Driving without insurance in Arkansas results in a fine of up to $1,000 and potential license suspension. Arkansas operates an electronic insurance verification system and officers can confirm coverage in real time during traffic stops. Reinstatement after a suspension requires proof of current insurance and a reinstatement fee.
Sources: Arkansas DMV