Arkansas Minimum Car Insurance Requirements
Arkansas requires all drivers to carry liability insurance with minimum limits of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage.
Driving without insurance in Arkansas can result in license suspension, fines up to $500, and vehicle impoundment. Your registration will be canceled if you cannot prove coverage.
You must carry proof of insurance at all times while driving.
Can Immigrants Get a License in Arkansas?
Arkansas does NOT currently issue driver licenses to people without proof of legal presence or a valid visa. Unlike California or New York, Arkansas has not passed legislation allowing undocumented immigrants to obtain licenses.
To get an Arkansas license, you need proof of identity, Social Security Number or ITIN, and proof of residency. A valid foreign passport works for identity.
If you cannot get a license, some Arkansas insurers may still insure you with an ITIN and valid ID, but options are limited. Contact insurers directly.
Best Insurance Options for Immigrants in Arkansas
Major insurers like State Farm, Allstate, and GEICO may insure you with an ITIN instead of SSN in Arkansas. Rates vary widely, so get quotes from multiple companies.
Non-standard insurers sometimes accept drivers without US licenses. You may pay higher premiums, but coverage is available.
Bring your ITIN (IRS form), valid passport or foreign ID, proof of residency (utility bill, lease), and driving history if you have one from another country.
Do NOT worry: buying insurance does NOT share your information with immigration authorities. Insurance data is protected by federal privacy law.
Tips for Immigrant Drivers in Arkansas
Always carry proof of insurance in your vehicle. Arkansas police will ask for it during traffic stops.
Keep your ITIN safe—you will need it for renewals and claims.
If you were licensed in your home country, ask the insurer if they will consider your driving history for lower rates.
Contact the Arkansas Insurance Department at (501) 371-2640 if an insurer denies you coverage. They can help.
Consider getting an ITIN from the IRS if you do not have one yet: https://www.irs.gov/individuals/individual-taxpayer-identification-number
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Covers injuries you cause to others |
| Bodily Injury (per accident) | $50,000 | Total per accident limit |
| Property Damage | $25,000 | Damage to other vehicles/property |
| Uninsured Motorist | Optional | Highly recommended in Arkansas |
| PIP/No-Fault | Not required | Arkansas is fault-based state |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN from the IRS instead. Most insurers accept ITIN as proof of identity. Insurance companies do not report you to ICE.
No. Arkansas does not offer licenses without proof of legal presence. Check neighboring states or use foreign license temporarily.
25/50/25: liability 25k per person, 50k per accident, 25k property damage. Get a quote for your exact cost.
State Farm, GEICO, and local mutual insurers accept ITIN. Rates vary by driving history. Get quotes from multiple companies.
Yes, for up to one year. Get an International Driving Permit. Then get Arkansas license or use ITIN with insurance.