Arkansas Auto Insurance for Drivers 75+
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
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Arkansas at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
70
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Arkansas
Arkansas operates under a traditional tort liability system, meaning the at-fault driver is responsible for damages in an accident. The Arkansas Insurance Department requires all drivers to carry proof of financial responsibility, typically satisfied through liability insurance. Arkansas does not mandate uninsured motorist coverage, but carriers must offer it in writing and drivers must explicitly reject it — verbal rejection is not valid and coverage is added automatically if the rejection form is not completed at policy inception.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Arkansas
$169–$197/mo
Typical monthly rate in Arkansas, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Claims filed within the prior 36 months — even not-at-fault claims — trigger age-based underwriting reviews at several Arkansas carriers, and drivers 78 and older face non-renewal risk even after a single claim.
Find Coverage That Fits Driving Past 75
Compare Auto Insurance for Drivers 75+Mature-driver discount
Required by state law
Ark. Code 27-19-608 (55+, appropriate reduction, no fixed %)
Source: state statutes and insurance departments, verified July 2026
Frequently Asked Questions
Can an Arkansas insurance company non-renew my policy because of my age?
Arkansas law does not prohibit age-based non-renewal, and several major carriers have internal underwriting guidelines that trigger non-renewal at age 80 or after a single claim for drivers 78 and older. Non-renewal notices must be sent 60 days before expiration, and the Arkansas Insurance Department requires carriers to state the reason for non-renewal in writing.
Which Arkansas carriers are most likely to continue coverage past age 80?
Regional carriers and farm bureaus typically have more flexible age policies than national brand carriers, and several Arkansas-based insurers do not apply automatic non-renewal at specific age thresholds. If you receive a non-renewal notice, contact an independent agent who represents multiple carriers — assigned risk pools exist as a backstop but cost 2–3 times standard market rates.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Arkansas's 25/50/25 minimum is legally sufficient but financially inadequate in most serious accidents.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage.
Comprehensive Coverage
Covers non-collision damage including hail, theft, flooding, animal strikes, and vandalism. Typically the most cost-effective optional coverage for older vehicles.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident or single-vehicle incident. Cost-justification depends on vehicle value relative to deductible and annual premium.