Arkansas insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Arkansas. Updated Mar 31, 2026.
Department of Insurance
Arkansas operates under a File & Use rate filing system for most property and casualty insurance products, though personal lines forms require prior approval. The Arkansas Insurance Department is a division of the Department of Commerce, with specialized divisions handling product compliance, rate review, consumer services, and solvency regulation. Arkansas has been active in recent years with healthcare reform legislation, particularly around pharmacy benefit managers, prior authorization, and primary care payment improvements.
Auto Insurance
Notable Laws
- Ark. Code § 27-19-605: Minimum liability coverage of $25,000/$50,000/$25,000
- Ark. Code § 23-89-403: Mandatory uninsured motorist coverage (may be rejected in writing)
- Ark. Code § 23-89-209: Underinsured motorist coverage must be offered (may be rejected in writing)
- Ark. Code § 23-89-202: Required first-party medical and income disability benefits ($5,000 medical coverage per person)
- Ark. Code § 23-89-304: Minimum 10 days notice for cancellation due to nonpayment, 20 days for other reasons
Homeowners Insurance
Notable Laws
- Ark. Code § 23-89-304: 20 days notice for cancellation (10 days for nonpayment)
- Ark. Code § 23-89-303: 30 days notice for nonrenewal of property insurance
- Ark. Code § 23-67-405: Credit information may be used for underwriting with limitations
- Ark. Code § 23-88-303: Arkansas Rural Risk Underwriting Association for rural property insurance
- Act 427 of 2025: Strengthen Arkansas Homes Act for property protection
Recent Bulletins
Gold Card appeals under Act 511 of 2025
Provides guidance on appeals process for Gold Card exemptions from prior authorization requirements under Act 511 of 2025
View bulletinPharmacy Network Adequacy Reporting
Requires insurers to report on pharmacy network adequacy to ensure consumer access to prescription medications
View bulletinSubmission of Primary Care and Medical Spending Data Pursuant to Act 483 of 2025
Mandates commercial healthcare insurance carriers to submit primary care and medical spending data using approved templates
View bulletinArkansas Healthcare Transparency Initiative: Revised Data Submission Guidelines
Updates data submission guidelines for healthcare transparency reporting requirements
View bulletinShort-Term, Limited Duration Insurance Plans
Clarifies Arkansas definition and regulations for short-term, limited duration health insurance plans
View bulletinRecent Law Changes
Act 511 - Arkansas Gold Carding Law Amendment
Updates the state's gold carding law regarding prior authorization exemptions for healthcare providers who meet quality metrics
Healthcare providers with strong track records gain exemption from prior authorization requirements, reducing administrative burden
Effective: 2025-08-05
Act 483 - Arkansas Primary Care Payment Improvement Working Group
Establishes a working group to improve primary care payment structures and requires commercial healthcare insurers to submit primary care spending data
Commercial health insurers must report primary care spending data to improve transparency and payment methodologies
Effective: 2025-08-05
Act 624 - Pharmacy Benefit Manager Permit Restrictions
Prohibits pharmacy benefits managers from holding direct or indirect interests in retail pharmacy permits
PBMs face new ownership restrictions to prevent conflicts of interest in pharmacy operations
Effective: 2025-08-05
Act 349 - Insurance Department General Omnibus Bill
Makes technical and substantive changes to the Arkansas Insurance Code and repeals the Comprehensive Health Insurance Pool Act
Modernizes Arkansas insurance regulations and eliminates outdated high-risk pool provisions
Effective: 2025-08-05
Act 554 - Captive Insurance Amendments
Amends laws regarding captive insurers, allowing for provisional licenses, changing capital and surplus requirements, and updating domestication procedures
Captive insurance companies benefit from streamlined licensing and updated regulatory requirements
Effective: 2025-08-05
Health Insurance
Sign up for full health insurance data
Sign up — it's freeLife Insurance
Sign up for full life insurance data
Sign up — it's freeWorkers Compensation
Sign up for full workers compensation data
Sign up — it's freeCommercial Insurance
Sign up for full commercial insurance data
Sign up — it's freeGet full Arkansas insurance data
Health, life, workers comp, commercial lines, compliance penalties, rate filing requirements, and real-time DOI monitoring for all 51 jurisdictions.
Sign up — it's free