Key Takeaways
- Arkansas requires minimum liability coverage of 25/50/25
- Uninsured motorist (UM) and Personal Injury Protection (PIP) coverage are required unless declined in writing
- All drivers must carry proof of insurance at all times
- Arkansas follows a tort (at-fault) system for auto accidents
- Penalties for driving without insurance include fines, license suspension, and potential SR-22 requirements
Last updated: January 2026
Arkansas Auto Insurance Requirements
Minimum Liability Coverage: 25/50/25
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury - Per Person | $25,000 |
| Bodily Injury - Per Accident | $50,000 |
| Property Damage | $25,000 |
Required Coverages
Uninsured Motorist (UM)
- Required unless declined in writing
- Protects against uninsured/hit-and-run drivers
- Same limits as liability coverage
Personal Injury Protection (PIP)
- Required unless waived in writing
- Pays medical expenses regardless of fault
- No-fault coverage for you and passengers
Proof of Insurance
Arkansas requires:
- Carry insurance ID card (paper or electronic)
- Show to law enforcement upon request
- Electronic proof accepted on smartphones
Penalties for No Insurance
| Violation | Penalty |
|---|---|
| First Offense | $50 - $500 fine, license suspension |
| Subsequent | Higher fines, longer suspension |
| After Accident | Financial responsibility requirement |
Arkansas Tort System
Arkansas follows at-fault system:
- At-fault driver responsible for damages
- Injured party claims against at-fault driver's insurer
- Comparative fault reduces recovery by percentage of fault
Exam Tip: Arkansas requires UM and PIP coverage, but policyholders can decline in writing. This is different from states where UM/PIP is purely optional.
Test Your Knowledge
What are Arkansas's minimum auto liability limits?
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