Arkansas Car Insurance
Arkansas drivers must carry 25/50/25 liability under Ark. Code § 27-19-7131. PIP is must-offer and auto-included unless rejected in writing under § 23-89-2022, at $5,000 medical + $140/week income + $5,000 accidental death floors. UM and UIM are also must-offer under § 23-89-4033.
YesWeSure Bottom Line
Not a no-fault state, but PIP is on by default. Arkansas preserves full tort rights. PIP ships on every policy at the statutory floors unless the named insured rejects it in writing2.
Three default-on coverages. UM at 25/50, UIM at 25/50, and PIP (medical + wage) are each included on every Arkansas personal auto policy by default; each requires a written rejection to decline23.
How to make a real decision. Treat 25/50/25 as a floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Arkansas car insurance law requires
Minimum liability limits
25 / 50 / 251
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, under the Arkansas Motor Vehicle Safety Responsibility Act (Ark. Code § 27-19-713).
Personal Injury Protection (PIP)
Must offer; auto-included unless rejected2
Ark. Code § 23-89-202 requires insurers to offer PIP; coverage ships on every policy unless the named insured rejects it in writing. PIP floors are $5,000 medical, $140/week income (up to 52 weeks), and $5,000 accidental death.
Uninsured / Underinsured Motorist
Must offer; 25 / 50 BI if purchased3
Ark. Code § 23-89-403 (UM) and § 23-89-209 (UIM) require every Arkansas personal auto policy to include UM and UIM at not less than the compulsory liability limits unless the named insured rejects the coverage in writing.
Coverage verification
Arkansas Online Insurance Verification4
The Arkansas Department of Finance and Administration administers electronic insurance verification. Confirmed lapse under Ark. Code § 27-22-104 can trigger registration suspension and reinstatement fees.
Rate approval regime
AID oversight5
Arkansas does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/25 compulsory liability
Ark. Code § 27-19-713 compels every registered Arkansas vehicle to carry 25/50/25 liability1. Many Arkansas drivers carry higher limits.
PIP must-offer under Ark. Code § 23-89-202
Arkansas requires insurers to offer PIP, and coverage auto-ships on every policy unless the named insured rejects it in writing2. Statutory floors are $5,000 medical, $140/week income (up to 52 weeks), and $5,000 accidental death. For how PIP compares to MedPay, see our PIP coverage guide.
UM/UIM must-offer
Ark. Code § 23-89-403 (UM) and § 23-89-209 (UIM) require every Arkansas personal auto policy to include UM and UIM at the compulsory liability limits unless the named insured rejects the coverage in writing3.
Verification and lapse enforcement
The Arkansas Department of Finance and Administration operates the Online Insurance Verification System6. Confirmed lapse under Ark. Code § 27-22-104 can trigger registration suspension and reinstatement fees4. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Arkansas does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age5.
Where the Arkansas situation rules live on YesWeSure
This State Guide owns the Arkansas pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Arkansas SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DFA consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Arkansas. New-resident registration is treated in our moving-to-another-state guide.
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Common questions
What is the minimum car insurance required in Arkansas?
25/50/25 liability under Ark. Code § 27-19-7131. PIP and UM/UIM are must-offer coverages that ship on the policy unless rejected in writing23.
Is Arkansas a no-fault state?
No. Arkansas is not a no-fault state. PIP exists as a must-offer coverage, but full tort rights are preserved2.
Can I decline PIP in Arkansas?
Yes, but only in writing. PIP auto-attaches to every Arkansas policy under Ark. Code § 23-89-202; the named insured must affirmatively reject it in writing2.
Sources & methodology
- Ark. Code § 27-19-713: Arkansas Motor Vehicle Safety Responsibility Act; 25/50/25 compulsory liability. (Arkansas General Assembly)
- Ark. Code § 23-89-202: Personal Injury Protection must-offer; written rejection required; $5,000 medical, $140/week income, $5,000 accidental death floors. (Arkansas General Assembly)
- Ark. Code § 23-89-403: Uninsured Motorist must-offer at compulsory liability limits; written rejection required. (Arkansas General Assembly)
- Ark. Code § 27-22-104: compulsory motor vehicle insurance; penalties and electronic verification. (Arkansas General Assembly)
- Arkansas Insurance Department: Automobile Insurance consumer page. (Arkansas Insurance Department)
- Arkansas Department of Finance and Administration: Online Insurance Verification System. (Arkansas Department of Finance and Administration)
- YesWeSure: Car insurance after an accident (YesWeSure)
- YesWeSure: Car insurance after a DUI (YesWeSure)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure)
- YesWeSure: Car insurance when moving to another state (YesWeSure)
- YesWeSure: Personal injury protection (PIP) (YesWeSure)
- YesWeSure: How to choose coverage limits (YesWeSure)
- YesWeSure: How insurers calculate rates (YesWeSure)
Every claim on this page traces to a source listed above. Every legal number traces to an Arkansas primary source: Ark. Code §§ 23-89-202, 23-89-403, 27-19-713, 27-22-104. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .