Coverage and service for the Natural State
If you live in Arkansas or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
As you navigate the stunning Ozark National Forest, drive along the Buffalo River or explore Hot Springs National Park, we can be there for you.
Required car insurance coverage in Arkansas
Arkansas law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$25,000 limit per accident |
Coverage |
Uninsured motorists bodily injury and property damage |
Description |
This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have insurance. |
Minimum requirement |
You must have the same limits as your bodily injury and property damage coverage. Coverage can be waived by written request. |
Coverage |
Underinsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have enough insurance. |
Minimum requirement |
The underinsured motorists bodily injury cannot exceed the bodily injury policy limit. Coverage can be waived by written request. |
Coverage |
Personal injury protection |
Description |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
Minimum requirement |
$5,000 limit Coverage can be waived by written request. |
Required car insurance coverage in Arkansas
Arkansas law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$25,000 limit per person $50,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$25,000 limit per accident |
Uninsured motorists bodily injury and property damage |
This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have insurance. |
You must have the same limits as your bodily injury and property damage coverage. Coverage can be waived by written request. |
Underinsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have enough insurance. |
The underinsured motorists bodily injury cannot exceed the bodily injury policy limit. Coverage can be waived by written request. |
Personal injury protection |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
$5,000 limit Coverage can be waived by written request. |
Arkansas law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $25,000 limit per accident |
| Coverage | Uninsured motorists bodily injury and property damage |
| Description | This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have insurance. |
| Minimum requirement | You must have the same limits as your bodily injury and property damage coverage. Coverage can be waived by written request. |
| Coverage | Underinsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have enough insurance. |
| Minimum requirement | The underinsured motorists bodily injury cannot exceed the bodily injury policy limit. Coverage can be waived by written request. |
| Coverage | Personal injury protection |
| Description | This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
| Minimum requirement | $5,000 limit Coverage can be waived by written request. |
Get up to 30% off your premium at renewal for being a safe driver. See note 4
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
Arkansas car insurance FAQ
If you’re moving to Arkansas or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.