Custom Coverage Options from Over 100 Trusted Providers
“Richey Insurance Agency works for you, not just one insurance agency!”
In Arkansas, state law requires all drivers to carry liability coverage to operate a vehicle legally. At a minimum, drivers must have:
These coverages help pay for injuries and property damage caused to others in an accident.
While the state minimum helps you stay legal, it may not provide enough protection in a serious accident. Many Arkansas residents choose additional coverages for better peace of mind:
If your car is leased or financed, your lender will likely require comprehensive and collision coverage.
As of 2025, the average cost for car insurance in Arkansas is $1,458 per year, which is slightly higher than the national average. (Source: TheZebra.com)
Your premium may vary based on factors such as your age, driving history, vehicle type, and where you live.
Many Arkansas drivers qualify for discounts that help reduce premiums, including:
Our team works with over 100 top-rated insurance companies to find a policy that matches your needs and budget.
No, Arkansas follows a fault-based system. The driver responsible for an accident is also responsible for paying for damages.
Some drivers on the road may have little or no insurance. To protect yourself, you may want to add:
These optional coverages can help if you’re in a crash with an underinsured or uninsured driver. In Arkansas, you must opt-out of these protections in writing when purchasing a policy.
No, state law does not require uninsured or underinsured motorist coverage. However, insurance companies must offer it as part of their policies. To decline it, you’ll need to reject it in writing.
Keep in mind, if the other driver lacks proper insurance, you could be left paying out-of-pocket without these coverages.
Here are useful links for drivers across Arkansas:
Arkansas Department of Finance and Administration – Renew your vehicle registration, replace a driver’s license or non-driver ID, apply for a REAL ID, and more.
Arkansas Traffic Safety Initiatives – Learn about programs to reduce impaired and distracted driving, and improve pedestrian, bicycle, and motorcycle safety.
Arkansas Driver’s License FAQs – Find answers to common questions about obtaining or renewing your license, and access other online driver services.
Car Insurance Resource Center – Explore how auto insurance works, from coverage definitions to tips on saving money.
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
