Last updated: February 7, 2026
Auto insurance policy in Arkansas is a vital part of owning a vehicle. It provides a financial safety net for accidents, theft, and other surprises. However, when renting a car in Arkansas, many drivers ask: “Does my current policy cover this?”
This guide breaks down Arkansas insurance rules and how your coverage works with rental vehicles.
I. Basic Auto Insurance in Arkansas
Before renting, you must understand the state’s basic rules. Arkansas requires Liability Insurance. This protects you if you cause injury or property damage to others.
Arkansas uses a 25/50/25 formula for minimum coverage:
- $25,000 for bodily injury (per person).
- $50,000 for bodily injury (per accident).
- $25,000 for property damage.
While this liability often follows you to a rental car, every policy is different. It is vital to check your specific documents or call your agent before you reach the rental counter.
II. Personal Insurance and Rental Cars
Your personal policy often provides some protection for rentals. Usually, your liability coverage extends to the rental car to pay for damages you cause to others.
However, this is not a universal rule. Some policies:
- Exclude rental cars entirely.
- Provide very limited coverage.
- Only cover rentals if your main car is being repaired.
Always review your policy to see if you need to buy extra protection from the rental agency.
If you want a deeper breakdown of when you might need additional protection, read our guide on whether you need extra insurance when renting a car.
III. Comprehensive and Collision Coverage
Liability insurance pays for other people, but it does not pay for the rental car itself. For that, you need these two coverages:
- Comprehensive: Covers “non-crash” events like theft, fire, or storm damage.
- Collision: Covers damage from hitting another car or an object.
Check if these coverages transfer to a rental. If you only have “Liability Only” on your personal car, the rental vehicle is likely unprotected unless you buy extra insurance.
IV. Rental Agency Insurance Options
Rental companies offer several products. It is important to know what they are so you don’t pay for coverage you already have.
- Collision Damage Waiver (CDW): The agency won’t charge you if the car is damaged or stolen. It may overlap with your own collision coverage.
- Liability Insurance: Adds extra protection for injuries or damage you cause to others.
- Personal Accident Insurance (PAI): Pays for medical bills for you and your passengers.
- Personal Effects Coverage (PEC): Covers items stolen from inside the car. (Often covered by homeowners or renters insurance).
V. Credit Card Benefits
Your credit card might be a hidden source of protection. Many cards offer Secondary Coverage, which pays for costs your primary insurance misses, such as your deductible.
Some premium cards offer Primary Coverage, which handles the claim without involving your personal insurance at all.
VI. Non-Owner Auto Insurance
If you do not own a car but rent frequently, consider Non-Owner Auto Insurance. This policy acts as a bridge, providing liability coverage whenever you drive a car that isn’t yours. It is a smart, low-cost way to ensure you always have a safety net.
Conclusion: Drive with Confidence
Whether your insurance covers a rental in Arkansas depends on your specific policy and the options you choose at the counter. Being informed helps you avoid paying for double coverage while staying fully protected.
Ensure your peace of mind on the road. Contact our insurance experts today to review your current policy and explore the best rental coverage options for your next trip.
