Arkansas offers affordable insurance rates, but that comes with risk: high fatality rates, poor rural infrastructure, and a large uninsured driving population. Drivers in the state rely heavily on personal vehicles, and weather risks plus a lack of public transit further emphasize the need for broad coverage — especially for those in more remote areas.
Arkansas Auto Insurance Facts
Drivers
- ~2.2–2.3 million licensed drivers as of 2023
- Mostly rural driving population with small metro clusters (Little Rock, Fayetteville).
- ~93% of households own at least one vehicle.
- High truck ownership, particularly in rural and agricultural communities.
- ~19–20% uninsured driver rate (among the highest nationally)
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~60,300
| ~16,800
| 492
|
| 2019
| ~62,100
| ~17,100
| 505
|
| 2020
| ~55,000
| ~15,400
| 638
|
| 2021
| ~57,800
| ~15,800
| 693
|
| 2022
| ~58,500
| ~16,100
| 641
|
Laws & Regulations
- Fault-based insurance state.
- Uninsured/underinsured coverage must be offered but can be declined.
