Arkansas Car Insurance Regulations & Required Coverage

Arkansas car insurance regulations mandate specific coverage minimums, and a state-run electronic system keeps records of insurance coverage. You also must show proof of insurance when asked by an officer or when registering your vehicle. Arkansas auto insurance laws follow a tort system, meaning someone must be found to be at fault for causing an accident. Learn more below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 10, 2020

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When driving in Arkansas, you must be able to show proof of insurance when asked by an officer or registering your vehicle. Arkansas law mandates specific coverage minimums and has an electronic system in place to keep records of insurance coverage. Yet, there are still people who do not carry insurance and if caught, can receive fines and/or have their registration suspended.

Insurance laws in Arkansas have been written to follow a tort system. A tort system basically means that after an accident, someone must be found to be at fault for causing that accident. Then, that person and their insurance company will be required to cover expenses resulting from the accident.

Required Coverage

All personal vehicles in Arkansas require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage
Minimum Arkansas Car Insurance Requirements
Bodily Injury Liability $25,000 / $50,000 Limit
Property Damage Liability $25,000 Limit

Additional insurance coverage can include:

  • Uninsured / Underinsured Coverage
  • Comprehensive and Collision Coverage

Uninsured or Underinsured coverage can help you cover any costs relating to an accident where you are not found at fault but the at fault party does not have enough insurance coverage or any insurance coverage to pay for damages.

Collision insurance will pay for the replacement of or repairs to your vehicle after it has been in an accident. Comprehensive covers all other, non collision related occurrences such as a tornado or damage done by a fire. Even if your car isn’t on the list of most stolen vehicles in Arkansas, it’s recommended that you add this insurance coverage to your policy.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID Card
  • Copy of Insurance Policy or Binder

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • After an accident
  • Before obtaining your vehicle’s title and/or registration
  • Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance when asked, you can face one of the following penalties:

  • A fine between $50 – $250 for a first offense. These fines increase along with the possibility of time in jail for further offenses.
  • Suspension of your registration
  • Reinstatement fees to be allowed back on the roads

Arkansas Insurance Agents

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