How much is car insurance in Arkansas?
Car insurance in Arkansas cost an average of $1,296 a year for full coverage in 2023 (NAIC), sitting 10% below the $1,439 national average and coming to about $1,540 a year in Arkansas today (about $130 a month in August 2026 dollars). In Arkansas, the law asks for at least 25/50/25 liability, while Arkansas liability-only policies—the closest NAIC figure to minimum coverage—averaged $538 in 2023 (about $640 today).
Average car insurance cost in Arkansas: 10% below the US average
Typical Arkansas full-coverage price today
about $1,540 a year in Arkansas (about $130 a month)
Arkansas's 2023 NAIC full-coverage average ($1,296) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Arkansas rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Arkansas was the 23rd most expensive of the 50 states and DC for full coverage ($1,296 vs $1,439 nationally), while ranking lower on liability alone (18th lowest in the US at $538) because 58% of a full-coverage Arkansas premium goes to collision and comprehensive coverage on your own car. NAIC also tracks Arkansas's average expenditure per insured vehicle—$1,051 in 2023 (19th lowest in the US, or about $1,250 today)—which sits 19% ($245) below Arkansas's full-coverage average because many Arkansas drivers drop collision or comprehensive on older cars.
How Arkansas compares with Louisiana, Mississippi, Missouri, and 3 more bordering states
A typical policy in Arkansas ($1,296 in 2023) costs more than in Tennessee and less than in Louisiana, Mississippi, Missouri, Oklahoma, and Texas. Among Arkansas's neighbors, Tennessee had the lowest 2023 average ($1,212, moving to Arkansas is about $110 more a year) and Louisiana had the highest ($1,983, moving to Arkansas is about $920 less a year).
| State | 2023 average | Moving to Arkansas from there |
|---|---|---|
| Arkansas | $1,296 | Current state (Arkansas) |
| Louisiana | $1,983 | About $920 less a year |
| Mississippi | $1,395 | About $130 less a year |
| Missouri | $1,323 | About the same |
| Oklahoma | $1,324 | About the same |
| Tennessee | $1,212 | About $110 more a year |
| Texas | $1,727 | About $580 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: New Mexico ($1,301 in 2023, about $1,540 today), Utah ($1,285 in 2023, about $1,520 today), Pennsylvania ($1,273 in 2023, about $1,510 today), and Alabama ($1,269 in 2023, about $1,500 today).
Arkansas: 25/50/25 minimums, with PIP and uninsured-motorist coverage unless rejected in writing
- Arkansas liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Arkansas
- Included unless you decline in writing
- Medical payments in Arkansas
- Not required
- No-fault system in Arkansas
- No
- Uninsured motorist in Arkansas
- Included unless you decline in writing
- Underinsured motorist in Arkansas
- Not required
Set by Arkansas Insurance Department, Private Passenger Automobile Insurance FAQ (open 'What coverages are mandatory?'), Arkansas's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Arkansas, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Arkansas—the closest NAIC figure to what an Arkansas minimum policy costs—averaged $538 in 2023 (about $640 in Arkansas today), the 18th lowest of the 50 states and DC. That makes liability 42% of Arkansas's full-coverage average ($1,296), while the remaining 58% goes toward collision and comprehensive coverage for your own car.
Arkansas requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Personal injury protection and uninsured-motorist coverage come with your policy unless you turn them down in writing, and underinsured-motorist coverage must be offered to you.
What we couldn’t confirm: The limits are confirmed on the Arkansas Insurance Department's FAQ. That same FAQ says you "must be offered" uninsured motorist, underinsured motorist, and PIP coverage, which is weaker than the law excerpts we read (those say uninsured motorist coverage and PIP come with the policy unless you turn them down in writing). The official Arkansas Code is only on LexisNexis public access, which blocks direct links behind a captcha, so we saw only search excerpts of those laws, not the full sections. We didn't capture the exact PIP income benefits. We marked medical payments coverage not required because PIP already covers medical bills.
- Personal injury protection
- Medical and hospital benefits up to $5,000 per person, income-disability benefits, and a $5,000 accidental-death benefit; any or all parts may be rejected in writing.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is at least the state's liability minimums, and your insurer must offer more, up to your own liability limits. Underinsured motorist coverage must be offered, you can turn it down in writing, and it's only sold together with the uninsured coverage.
- History and recent checks
- 25/50/25 in current A.C.A. 27-22-104 (Lexis public-access Arkansas Code, viewed 2026-09-22). No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- Arkansas Insurance Department, Private Passenger Automobile Insurance FAQ (open 'What coverages are mandatory?')
The minimum liability you are required to carry by law is $25,000 per person for bodily injury, $50,000 per accident and $25,000 to cover property damage to other's property.
- A.C.A. 27-22-104 (Lexis public access, search for the section)
Not less than twenty-five thousand dollars ($25,000) for bodily injury or death of one (1) person ... fifty thousand dollars ($50,000) ... twenty-five thousand dollars ($25,000) for the damage to or destruction of property of others
- A.C.A. 23-89-403 (Lexis public access, search for the section)
shall be delivered ... unless coverage is provided therein ... [not] applicable when any insured named in the policy has rejected the coverage in writing
- A.C.A. 23-89-209 (Lexis public access, search for the section)
unless the insured has the opportunity, which he or she may reject in writing, to purchase underinsured motorist coverage
- A.C.A. 23-89-202 and 23-89-203 (Lexis public access, search for the section)
shall provide minimum medical and hospital benefits ... up to an aggregate of five thousand dollars ($5,000) per person ... The named insured shall have the right to reject in writing
- Arkansas Insurance Department, Private Passenger Automobile Insurance FAQ (open 'What coverages are mandatory?')
Adding a 16-year-old driver in Arkansas: about $1,010 more a year
Adding a 16-year-old to a Arkansas policy
about $1,010 more a year
About $85 a month (+66% over a typical Arkansas adult policy of $1,540), bringing the combined Arkansas family policy to roughly $1,900–$3,350 a year.
On a separate Arkansas policy of their own with the same car, a 16-year-old in Arkansas would pay about $4,410 a year (roughly $3,350–$6,300), so sharing a parent's Arkansas policy saves about $3,390 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Arkansas's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Arkansas
In Arkansas, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $900 more a year on an Arkansas policy, compared with about $1,530 more a year for the 2022 Tesla Model 3 in Arkansas.
| 2022 model | Added to a Arkansas policy | Own Arkansas policy |
|---|---|---|
| 2022 Subaru Forester | +$900 in Arkansas | $3,930 in Arkansas |
| 2022 Subaru Outback | +$910 in Arkansas | $3,940 in Arkansas |
| 2022 Subaru Crosstrek | +$910 in Arkansas | $3,960 in Arkansas |
| 2022 Honda CR-V | +$970 in Arkansas | $4,230 in Arkansas |
| 2022 Toyota RAV4 | +$990 in Arkansas | $4,300 in Arkansas |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Arkansas
In Arkansas, a 45-year-old with full coverage pays from about $1,610 a year for a 2024 Jeep Wrangler to about $2,510 for a 2024 Tesla Model 3 on these Arkansas sample models.
| Car | 45-year-old in Arkansas | Adding a teen in Arkansas |
|---|---|---|
| 2024 Nissan Rogue | about $1,700 a year | +$1,120 a year |
| 2024 Toyota Highlander | about $1,670 a year | +$1,100 a year |
| 2024 Tesla Model Y | about $2,420 a year | +$1,600 a year |
| 2024 Ford F-150 | about $1,790 a year | +$1,180 a year |
| 2024 Toyota Tacoma | about $1,660 a year | +$1,100 a year |
| 2024 Jeep Wrangler | about $1,610 a year | +$1,060 a year |
| 2024 Ford Mustang | about $1,940 a year | +$1,280 a year |
| 2024 Tesla Model 3 | about $2,510 a year | +$1,660 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Arkansas
- How much is car insurance in Arkansas?
- In Arkansas, full-coverage car insurance averaged $1,296 a year in 2023 (the 23rd most expensive of the 50 states and DC per NAIC), or about $1,540 a year ($130 a month) in Arkansas as of August 2026. Arkansas liability-only coverage averaged $538 in 2023 (42% of Arkansas's full-coverage figure, or about $640 today), and Arkansas drivers spent $1,051 per insured car across all policies.
- What are the minimum car insurance limits in Arkansas?
- Under Arkansas Insurance Department, Private Passenger Automobile Insurance FAQ (open 'What coverages are mandatory?'), Arkansas requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. 25/50/25 in current A.C.A. 27-22-104 (Lexis public-access Arkansas Code, viewed 2026-09-22). No 2024-2026 change found.
- How much does adding a 16-year-old teen driver cost in Arkansas?
- Adding a 16-year-old to a parent's full-coverage policy in Arkansas adds about $1,010 more a year ($85 a month), bringing the Arkansas household policy to roughly $1,900–$3,350 a year versus about $4,410 a year (roughly $3,350–$6,300) on a standalone Arkansas teen policy.
- Is Arkansas a no-fault car insurance state?
- No—Arkansas follows fault-based crash rules, but Arkansas insurers must offer or include personal injury protection (PIP) unless you reject it in writing. Medical and hospital benefits up to $5,000 per person, income-disability benefits, and a $5,000 accidental-death benefit; any or all parts may be rejected in writing.
- How does Arkansas's car insurance cost compare with Louisiana?
- Arkansas averaged $1,296 for full coverage in 2023 (NAIC) against $1,983 in Louisiana (35% less than Louisiana), and moving a sample policy from Louisiana to Arkansas today is about $920 less a year. Other bordering states averaged $1,395 in Mississippi, $1,323 in Missouri, $1,324 in Oklahoma, $1,212 in Tennessee, and $1,727 in Texas in 2023.
Sources for Arkansas
- Arkansas average premiums ($1,296 full coverage, $538 liability-only, $1,051 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Arkansas minimum coverage statutes (Arkansas Insurance Department, Private Passenger Automobile Insurance FAQ (open 'What coverages are mandatory?'); A.C.A. 27-22-104 (Lexis public access, search for the section); A.C.A. 23-89-403 (Lexis public access, search for the section); A.C.A. 23-89-209 (Lexis public access, search for the section); A.C.A. 23-89-202 and 23-89-203 (Lexis public access, search for the section)), checked September 22, 2026. Page updated for Arkansas. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.