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Auto insurance rates, minimum coverage requirements, and driver statistics for Arkansas (AR).
Avg Annual Premium
$1,820
$94 above national avg
Cost Rank
#19
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
16.6%
of drivers
Min Liability
$590/yr
Legal minimum
Average Premium
$1,820/yr
State average
Full Coverage
$1,820/yr
Comprehensive + Collision
Arkansas requires:
25/50 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $4,914 | $5,551 | $4,277 |
| 20-25 | $3,276 | $3,640 | $2,912 |
| 26-35 | $2,002 | $2,093 | $1,911 |
| 36-45 | $1,820 | $1,856 | $1,784 |
| 46-55 | $1,729 | $1,765 | $1,693 |
| 56-65 | $1,674 | $1,711 | $1,638 |
| 65+ | $1,911 | $1,966 | $1,856 |
Rates shown are annual averages for each age group in Arkansas. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Arkansas | National Avg |
|---|---|---|
| Average Annual Premium | $1,820 | $1,726 |
| Uninsured Rate | 16.6% | 11.1% |
| Registered Vehicles | 2,469,840 | 5,330,804 |
| Accidents per Year | 37,047 | 79,962 |
Population
3,012,000
Registered Vehicles
2,469,840
Accidents per Year
37,047
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.