Auto Insurance in Arkansas

Auto Insurance Requirements in Arkansas

Arkansas requires minimum auto liability of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Arkansas is a modified-comparative-negligence state with a 50% bar — a driver found more than 50% at fault recovers nothing. With a roughly 1-in-6 uninsured-driver rate, UM/UIM coverage is strongly recommended. Standard homeowners insurance in Arkansas covers wind, hail, and tornado damage but excludes both flood (NFIP or private flood along the Arkansas, White, and Mississippi rivers and across the Delta) and earthquake (a separate rider — most important in NE Arkansas within the New Madrid Seismic Zone). Arkansas employers with three or more regular employees must carry workers' compensation insurance through the Arkansas Workers' Compensation Commission (AWCC). Construction-industry employers must carry coverage regardless of size. Poultry, agriculture, and trucking-heavy businesses often need specialized commercial coverage beyond the state floor.