Arkansas Auto Insurance for First-Time Drivers
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
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Arkansas at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
14
Minimum learner's permit age
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arkansas
Arkansas operates as a traditional at-fault state, meaning the driver responsible for an accident pays for damages through their liability insurance. Every driver must carry proof of insurance—an insurance card or digital proof—and present it during traffic stops or after accidents. The Arkansas Insurance Department enforces these minimums and tracks uninsured drivers through the VerifyInsurance.com system, which cross-references vehicle registrations with active insurance policies.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Arkansas
$276/mo
Typical monthly rate in Arkansas, new drivers
Rate data: Insurify, 2026
What Affects Your Rate
- Vehicle value and type: Insuring a financed SUV costs significantly more than an older sedan because lenders require comprehensive and collision, and repair costs are higher.
- ZIP code: Urban areas like Little Rock and Fayetteville have higher rates due to greater accident frequency and theft, while rural counties see lower premiums but longer emergency response times.
- Credit-based insurance score: Arkansas allows insurers to use credit history as a rating factor—first-time buyers with limited credit history often see higher initial quotes.
- Hail and weather exposure: Northern and central Arkansas counties experience frequent spring hail, increasing comprehensive claims and premiums for vehicles parked outdoors.
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules for new drivers
Night driving
11pm-4am
Passengers
no more than 1 passenger younger than 21
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others. This is the foundation of every policy and the only coverage Arkansas law requires. The premium is the regular payment—usually monthly—you make to keep the policy active, and the limit is the maximum your insurer will pay per accident.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both you and others. This is not a separate policy type—it's a term insurers and lenders use to describe a package that covers your own vehicle in addition to state-required liability.
Comprehensive Coverage
Covers non-collision damage to your car—hail, theft, vandalism, hitting a deer, or a tree falling on your vehicle. You choose a deductible, which is the amount you pay before insurance covers the rest.
Uninsured Motorist Coverage
Pays your medical bills and car repairs when you're hit by a driver with no insurance or insufficient coverage. Arkansas requires insurers to offer this, but you can decline it in writing—though doing so is risky.
Collision Coverage
Pays to repair or replace your car after a crash, regardless of fault, minus your deductible. If you cause an accident or hit a guardrail, this is the coverage that fixes your own vehicle.