Minimum car insurance in Arkansas.
What Arkansas requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Arkansas, the minimum liability limits are written 25/50/25 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Arkansas is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. No other coverage required (PIP and UM must be offered but can be rejected).
What the minimum means in practice
Say a crash you cause injures three people. The Arkansas minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
Proof of insurance
After a crash, Arkansas DFA can ask you to show financial responsibility even if no ticket was written at the scene. Insurance is the usual way, but the state also accepts a security deposit, a signed release, a final civil finding that you were not liable, a notarized covenant not to sue, an accepted installment agreement, or proof the other party was already paid for the damage.
SR-22 and similar filings
To satisfy DFA after an accident you have to show liability coverage of at least $25,000 per person, $50,000 per accident and $75,000 property damage, or one of the alternatives above. If DFA asks for security or suspends you, a written hearing request is due within 20 days of the notice, and if the hearing finds a judgment against you is unlikely, DFA may drop the deposit.
Also worth knowing in Arkansas
An SR-1 accident report is due within 30 days whenever property damage to any one person tops $1,000 or anyone is hurt or killed, no matter who was at fault.
Your state regulator
Arkansas Insurance Department is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Arkansas a no-fault state?
Arkansas is generally an at-fault state.