Car insurance in Arkansas (25/50/25)
- Minimum car insuranceArkansas requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability. Insurers must offer personal injury protection and uninsured motorist coverage, and you have to reject them in writing if you don't want them. Liability is the only coverage the law requires. Source
- Fault systemArkansas is an at-fault (tort) state with no limits on lawsuits. PIP that pays your own medical bills regardless of fault is offered as an optional add-on. Source
Business insurance rules in Arkansas
- Workers’ compensationMost Arkansas employers with three or more employees must carry workers' comp. Construction has lower thresholds: two or more employees doing building or repair work, or even one employee if the contractor subcontracts any part of the job or is itself a subcontractor. Coverage comes from private insurers or self-insurance, not a state fund. Source
- Contractor licensingThe Arkansas Contractors Licensing Board, part of the Department of Labor and Licensing, issues commercial licenses for jobs of $50,000 or more. Commercial applicants must file a financial statement reviewed by a CPA, and any applicant with employees must show proof of workers' comp. Residential builders and home improvement contractors are licensed through the board's Residential Contractors Committee for jobs over $2,000. Source
Home insurance in Arkansas
- Home insurer of last resortState law requires every licensed property insurer to belong to the Arkansas Rural Risk Underwriting Association. The association provides a property insurance plan for insurable risks in areas designated as rural that can't get coverage through normal channels. Source
Disasters, floods, hail, tornadoes and earthquakes in Arkansas
| Measure | Arkansas | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 40 | #15 of 51 | Most often for severe storm (27), severe ice storm (4), tornado (4). Jackson County has been in 17 of them. |
| National Flood Insurance Program claims, 2005–2025 | 5,991 | #24 of 51 | $185.9 million paid; 30% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 14% | #44 of 50 | 5,651 policies for 40,410 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 2,011 | #13 of 51 | 208 of them 2 inches or larger. Largest stone 5 inches, Polk County, June 2019. |
| Tornadoes, 2016–2025 | 390 | #15 of 51 | 65 rated EF2 or stronger; 2,146 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 7 | #16 of 51 | Largest: magnitude 4.7, 4 km NE of Greenbrier, Arkansas, February 28, 2011. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Arkansas.
Arkansas’s insurance regulator
Insurance in Arkansas is regulated by the Arkansas Insurance Department, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Arkansas (NPN 21022298), so requests from Arkansas are handled by him directly.
Common questions
What is the minimum car insurance in Arkansas?
Arkansas requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability. Insurers must offer personal injury protection and uninsured motorist coverage, and you have to reject them in writing if you don't want them. Liability is the only coverage the law requires.
Is Arkansas a no-fault state?
Arkansas is an at-fault (tort) state with no limits on lawsuits. PIP that pays your own medical bills regardless of fault is offered as an optional add-on.
Do employers in Arkansas need workers’ comp?
Most Arkansas employers with three or more employees must carry workers' comp. Construction has lower thresholds: two or more employees doing building or repair work, or even one employee if the contractor subcontracts any part of the job or is itself a subcontractor. Coverage comes from private insurers or self-insurance, not a state fund.
What can a Arkansas homeowner do if no insurer will write the house?
State law requires every licensed property insurer to belong to the Arkansas Rural Risk Underwriting Association. The association provides a property insurance plan for insurable risks in areas designated as rural that can't get coverage through normal channels.
Sources
- Arkansas: Minimum car insurance
- Arkansas: Fault system
- Arkansas: Workers’ compensation
- Arkansas: Home insurer of last resort
- Arkansas: Contractor licensing
- Arkansas: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.