
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.
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
*Workers' Comp mandated for most employers with 3+ employees.
Major Freight Corridors
- 01I-40 East-West
Premier cross-country corridor through Little Rock.
- 02I-30 Southwest
Connecting Little Rock to Texarkana & Texas.
- 03I-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.
Little Rock/West Memphis bases pay more due to traffic density & accident frequency.
Regional (500-mile) operations carry different risk profiles than long-haul OTR.
I-40 inspection stations are meticulous; clean records are key to low rates.
Frequently Asked Questions
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