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Arkansas Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Arkansas. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Arkansas.

AR Auto Insurance Laws and Regulations:

Arkansas Insurance Dept. / Consumer Services Division
1200 W. Third St.
Little Rock, AR 72201

Minimum Car Insurance Coverage in AR:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$25,000 for damage to property

AR Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


AR Uninsured Penalties:

Fine of up to $250 for a first offense, and increasing in severity for subsequent offenses potentially up to a fine of $1000 and or 1 year jail time

You risk the suspension of your vehicle registration if you fail to provide proof of your auto insurance policy at the time of an accident or during a traffic stop. You will need to prove you have the required auto insurance coverage for the state of Arkansas before the suspension will be removed.


AR Department of Insurance Contact Information:

1-501-371-2600 or
Toll Free: 1-800-282-9134

AR State Insurance Department Website:





Directory of Arkansas Auto Insurance Agents by County

Arkansas
Ashley
Baxter
Benton
Boone
Bradley
Calhoun
Carroll
Chicot
Clark
Clay
Cleburne
Cleveland
Columbia
Conway
Craighead
Crawford
Crittenden
Cross
Dallas
Desha
Drew
Faulkner
Franklin
Fulton
Garland
Grant
Greene
Hempstead
Hot Spring
Howard
Independence
Izard
Jackson
Jefferson
Johnson
Lafayette
Lawrence
Lee
Lincoln
Little River
Logan
Lonoke
Madison
Marion
Miller
Mississippi
Monroe
Montgomery
Nevada
Newton
Ouachita
Perry
Phillips
Pike
Poinsett
Polk
Pope
Prairie
Pulaski
Randolph
Saint Francis
Saline
Scott
Searcy
Sebastian
Sevier
Sharp
Stone
Union
Van Buren
Washington
White
Woodruff
Yell

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