Arkansas
Arkansas

Find out how much you can save on Arkansas car insurance.

Download the app. Take a test drive around the Natural State. Get a free quote.

Why choose Root for your Arkansas insurance policy?

Fair and affordable car insurance has finally come to Arkansas. Whether you’re driving along Crowley’s Ridge Parkway, cruising down the main drag in Russellville, or navigating rush hour traffic at the junction of I-30 and I-630 in Little Rock, Root’s got you covered. With Root, if you drive safely, you’ll pay up to 52% less to insure your car. We think you’re going to love it.

What makes Root different from traditional insurers in Arkansas?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Natural State.

It’s a good time to be a good driver in Arkansas.

Because Arkansas is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Little Rock to Fort Smith, Fayetteville to Jonesboro, and all points between (we’re looking at you, Springdale).

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in Arkansas?

To legally operate a vehicle in Arkansas, you must carry liability insurance, uninsured/underinsured motorist coverage, and personal injury protection. If you’re found driving without it, you can face fines and suspension of your vehicle registration.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in AR:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)
  • $25,000 Property Damage

You can always opt for higher limits if you want more coverage.

Uninsured/Underinsured Motorist Coverage (UM/UIM):

This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient, or underinsured.

Minimum required uninsured/underinsured motorist coverage:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)

You can always request more coverage if you want.

Personal Injury Protection (PIP)

Alabama also requires drivers to have Personal Injury Protection (PIP), also called no-fault car insurance. PIP coverage will help pay for your medical bills after a car accident, regardless of who is at fault for the accident.

Minimum required personal injury protection coverage:

  • $5,000

You can always opt for more coverage.

When do you need to show proof of insurance?

You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your car for the first time or renew a registration. Acceptable forms include:

  • An insurance ID card issued by your insurance carrier
  • Electronic version of your ID card, like the one found in the Root app on your phone

Failure to present proof of insurance to a police officer at a traffic stop may result in a citation and a $25 fine. If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What are the fines and penalties if you’re caught without insurance?

If you are caught driving with no car insurance, you'll face fines ranging from $50-$1,000 and up to one year in jail.

To have your registration reinstated after a car insurance violation, you must:

  • Buy the minimum required Arkansas car insurance
  • Provide the Arkansas Department of Finance and Administration (AR DFA) with proof of insurance
  • Pay a reinstatement fee

SR-1 and SR-21

An Arkansas Motor Vehicle Accident Report (Form SR-1) must be filed if you’re involved in a car accident resulting in:

  • More than $1,000 in property damage to any person
  • Injury to any person
  • Death to any person

Additionally, you must provide proof of financial responsibility. An SR-21 proof of liability is attached to the Arkansas Motor Vehicle Accident Report (Form SR-1), and must be completed by your car insurance company proving that you did have the minimum required car insurance when the accident occurred. (Root does this for free.)

What is the average cost of car insurance in Arkansas?

The average driver in Arkansas pays $1,4092 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $1,112/year on average—all while enjoying fair and simple car insurance.

What our customers tell us

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