Is Arkansas a no-fault state?
No. Arkansas is not a no-fault state. You can still claim against the driver who caused the crash. Auto policies also come with some no-fault medical and wage benefits, which you can turn down in writing.
Last checked November 9, 2026 · Official sources (4)
How does Arkansas car insurance work?
“Every automobile liability insurance policy covering any private passenger motor vehicle issued or delivered in this state shall provide minimum medical and hospital benefits, income disability, and accidental death benefits”
Arkansas Code § 23-89-202 (text via Justia)
What is Arkansas's minimum car insurance?
| Coverage | What Arkansas requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Personal injury protection (PIP) | Policies include up to $5,000 per person for medical bills, but you have the right to reject this coverage in writing. |
Other add-on states
Questions
How much insurance does Arkansas require?
25/50/25: $25,000 per person and $50,000 per crash for injuries, and $25,000 for property damage.
What if you were partly at fault in Arkansas?
You can recover only if your share of the fault is less than the other side's; your money is then reduced by your share. At 50% or more, you get nothing.
Hurt in a crash in Arkansas? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Arkansas Code § 23-89-202 (text via Justia), checked 2026-11-09. “Every automobile liability insurance policy covering any private passenger motor vehicle issued or delivered in this state shall provide minimum medical and hospital benefits, income disability, and accidental death benefits”
- Arkansas Insurance Department, Bulletin 8-99, checked 2026-11-09. “Act 1527 of 1999 raised the minimum limits for motor vehicle liability insurance from 25/50/15 to 25/50/25.”
- Arkansas Code § 23-89-203 (text via Justia), checked 2026-11-09. “The named insured shall have the right to reject in writing all or any one (1) or more of the coverages enumerated in § 23-89-202.”
- Arkansas Code § 16-64-122 (text via Justia), checked 2026-11-09. “If the fault chargeable to a party claiming damages is equal to or greater in degree than any fault chargeable to the party or parties from whom the claiming party seeks to recover damages, then the claiming party is not entitled to recover such damages.”