Arkansas Car Insurance Quotes — Compare Rates | Squeeze

Compare Arkansas car insurance quotes from top carriers, including PIP-inclusive policies. See your rate in minutes.

Red convertible parked on a downtown street in Arkansas

Arkansas requires a coverage add-on many drivers don't expect from an at-fault state — personal injury protection. Squeeze shops Arkansas' carrier market to make sure you're covered correctly without overpaying.

FAQs

Is PIP required in Arkansas?

Yes, by default — $5,000 in personal injury protection — though you can typically reject it in writing.

What's the minimum coverage required in Arkansas?

25/50/25 liability plus $5,000 PIP.

Is Arkansas a no-fault state?

No — Arkansas is an at-fault (tort) state, despite the PIP requirement.

Minimum Coverage Summary

Arkansas requires:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
$5,000 personal injury protection (PIP) — required, though it can typically be rejected in writing

Rate Factors

Required PIP coverage, which is unusual for an at-fault state and adds cost versus neighboring states that don't require it
Rural vs. Little Rock-metro rate variation
Severe weather exposure, including hail and tornado-related comprehensive claims
Strong non-standard carrier availability, useful for drivers with a recent lapse or violation

Carrier Note

Squeeze shops both standard and a deep bench of non-standard Arkansas carriers, useful for higher-risk driver profiles.