Car insurance in Arkansas
Drivers in Arkansas paid $1,296 a year for full coverage in 2023, 10% below the national average. With prices up since, figure on about $1,540 today. In Arkansas, the law asks for at least 25/50/25 liability.
What people pay in Arkansas
A typical yearly price today
about $1,540 a year (about $130 a month)
Arkansas's average full-coverage cost in 2023 was $1,296, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,540.
That makes Arkansas the 23rd most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Arkansas next to its neighbors
A typical policy in Arkansas costs more than in Tennessee and less than in Louisiana, Mississippi, Missouri, Oklahoma, and Texas.
| State | Typical price, 2023 | Moving to Arkansas from there |
|---|---|---|
| Arkansas | $1,296 | Not a move |
| Louisiana | $1,983 | About $940 less a year |
| Mississippi | $1,395 | About $140 less a year |
| Missouri | $1,323 | About the same |
| Oklahoma | $1,324 | About the same |
| Tennessee | $1,212 | About $120 more a year |
| Texas | $1,727 | About $590 less a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Arkansas's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP)
- Included unless you decline in writing
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Included unless you decline in writing
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $538 in Arkansas in 2023 (about $640 today, brought up the same rough way), the 18th lowest of the 50 states and DC. That's about 42% of the full-coverage price; the rest pays to fix or replace 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.
- Checked
- September 22, 2026
- Sources
- 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)
A new teen driver in Arkansas
Adding a 16-year-old to a typical policy
about $1,010 more a year
About $85 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,900–$3,350 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,410 a year in Arkansas (roughly $3,350–$6,300).
What adding a teen costs comes from California's published prices, so the range is wide, and Arkansas may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
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. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,530 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$900 a year | $3,930 a year |
| 2022 Subaru Outback | +$910 a year | $3,940 a year |
| 2022 Subaru Crosstrek | +$910 a year | $3,960 a year |
| 2022 Honda CR-V | +$970 a year | $4,230 a year |
| 2022 Toyota RAV4 | +$990 a year | $4,300 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Arkansas (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Arkansas's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.