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Better rates for better drivers in Arkansas

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Fair car insurance in Arkansas

From Fort Smith to Little Rock and Jonesboro to Pine Bluff, good drivers in Arkansas can get the cheap car insurance rates they deserve. In fact, good drivers could save hundreds. Download our easy-to-use app and see if your safe driving can save you money on quality coverage.

How it works

Car insurance rates are traditionally based on demographics—things like age, marital status, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price auto insurance.

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We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State insurance requirements in Arkansas

What are the minimum auto 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 are found driving without these, you may face fines and suspension of your vehicle registration.

Liability coverage

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 family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.

Minimum required Liability coverage in Arkansas: 

  • $25,000 Bodily Injury (per person)

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

  • $25,000 Property Damage

Remember you can select higher limits if you’d like more coverage.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

UM/UIM is another required coverage. 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 is considered underinsured.

Car insurance companies are required to offer this coverage as part of your policy. You can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required Uninsured/Underinsured Motorist coverage in Arkansas:

  • $25,000 Bodily Injury (per person)

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

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

Personal Injury Protection

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

Minimum required PIP:

  • $5,000

Remember you can choose to have more coverage than the state minimum.

SR-1 and SR-21

An Arkansas Motor Vehicle Accident Report (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 submit at an SR-21. This form is attached to the SR-1 and must be completed by your car insurance company proving that you had the minimum required car insurance at the time of the accident.

What is SR-22 insurance?

SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the Arkansas Department of Finance and Administration. You can easily request an SR-22 in the Root app.

What other coverages does Root offer?

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Collision

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Rental Car coverage

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Personal Injury Protection

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Medical Payments

(MedPay)

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Comprehensive

(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Arkansas?

The average Arkansan pays $1,620 [1] per year for their auto policy, but many drivers pay a lot more. Bad drivers often drive up prices for good drivers. Root doesn’t insure bad drivers, so Root customers could save up to $900 a year—all while enjoying fair and simple car insurance.

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References 

  1. Insure.com. Annual average rates were compiled in April 2020

Additional Resources

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Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.