Truck driving on Arkansas scenic highway
Arkansas Coverage Specialists

Trucking Insurance in Arkansas

Get connected with trucking insurance specialists who understand Arkansas’s requirements and regional market. Compare competitive rates from carriers operating in the Natural State and ensure your operation stays compliant.

Operating a Trucking Business in Arkansas

Operating a trucking business in Arkansas requires proper insurance coverage that meets both federal FMCSA requirements and state-specific regulations. Whether you’re an owner-operator based in Little Rock, a fleet operation serving the Jonesboro agricultural hub, or an interstate carrier traveling through the Natural State, understanding your insurance obligations is essential for legal compliance and business protection.

Arkansas is a powerhouse in the logistics industry, serving as the headquarters for some of the nation's largest carriers. The state presents unique considerations for trucking operations, from the dense freight traffic along the I-40 corridor—one of the nation's busiest east-west routes—to the specialized needs of the timber and poultry industries in the Ozark and Delta regions. These factors, along with the state's rolling terrain and severe weather patterns, influence both your insurance requirements and the coverage options available to protect your business.

Our trucking insurance specialists work with carriers licensed to operate in Arkansas and understand the specific requirements for AR motor carriers. Whether you operate exclusively within Arkansas or travel interstate routes, we help you secure coverage that meets all applicable requirements at competitive rates.

Arkansas Insurance Requirements

Federal Requirements for Interstate Carriers

If you operate across state lines, you must meet FMCSA minimum insurance requirements regardless of your base state. For interstate carriers based in or traveling through Arkansas, federal requirements include:

  • Primary Liability: $750k ($1M recommended)
  • Cargo Insurance: Required for for-hire
  • BMC-91X Filing: Proof of federal liability

Arkansas Intrastate Requirements

For carriers operating exclusively within Arkansas (intrastate commerce), the Arkansas Department of Transportation (ARDOT) maintains oversight.

Vehicles < 10,000 lbs
$300,000 CSL
Vehicles ≥ 10,000 lbs
$750,000 CSL

Form E Filing

Arkansas requires a Form E filing for intrastate authority, proving you meet the state's financial responsibility laws. Household goods movers may also require a Form H filing.

Coverage Types Required in Arkansas

Primary Liability (Form E)
Motor Truck Cargo
Physical Damage
Non-Trucking Liability
Workers' Compensation

*Workers' Comp mandated for most employers with 3+ employees.

Major Freight Corridors

  • 01
    I-40 East-West

    Premier cross-country corridor through Little Rock.

  • 02
    I-30 Southwest

    Connecting Little Rock to Texarkana & Texas.

  • 03
    I-49 Logistics

    Serving the booming Fayetteville/Bentonville hub.

AR Industries & Risks

  • Timber & Forestry

    Heavy log hauling in the Ozark & southern regions.

  • Retail & E-commerce

    Home to global retail giants, driving dry van fleet demand.

  • Severe Weather

    Tornado risks and flash flooding create road hazards.

What Affects Your Arkansas Rates

Arkansas insurance rates are influenced by the state's status as a major trucking hub. While Arkansas offers a business-friendly environment, certain local factors can drive premium costs.

Fleet Location

Little Rock/West Memphis bases pay more due to traffic density & accident frequency.

Regional Radius

Regional (500-mile) operations carry different risk profiles than long-haul OTR.

Safety Records

I-40 inspection stations are meticulous; clean records are key to low rates.

Frequently Asked Questions

Get Your Arkansas Quote

Don't wait until it's too late. Protect your livelihood in the Natural State today.

(405) 963-3920

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Protect Your Arkansas Operation

Every day without proper insurance puts your Arkansas trucking business at risk. Get the coverage you need to operate legally and confident.

Call (405) 963-3920 for Quotes