Auto Insurance for Senior Drivers in Arkansas
Arkansas requires 25/50/25 liability coverage and is an at-fault state.
Compare Senior Car Insurance RatesArkansas 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
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Comprehensive Coverage
Collision 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
See Where Your Rate Stands Today
Compare Senior Car Insurance RatesMature-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
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Arkansas's 25/50/25 minimums are the legal floor, but senior drivers with accumulated assets should carry 100/300/100 or higher to protect home equity and retirement savings from lawsuit exposure.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or with inadequate coverage. Covers medical bills, lost wages, and vehicle damage that the at-fault driver cannot pay.
Comprehensive Coverage
Covers non-collision damage including hail, flooding, deer strikes, theft, vandalism, and falling objects. Particularly valuable for Arkansas drivers given the state's severe weather patterns and wildlife collision frequency.
Collision Coverage
Pays for damage to your vehicle in an accident regardless of fault. Senior drivers should evaluate whether annual premium plus deductible exceeds 10% of vehicle value before maintaining this coverage on older cars.
Medical Payments Coverage
Covers medical expenses for you and your passengers regardless of fault, typically in amounts of $1,000–$10,000. Works alongside health insurance to cover deductibles, copays, and expenses Medicare may not fully cover.
Roadside Assistance
Covers towing, battery jump-starts, flat tire changes, lockout service, and fuel delivery. Available through insurance carriers for $5–$15/mo or through standalone programs like AAA.