Key Takeaways
- The Arkansas Insurance Department regulates all insurance activities under Arkansas Code Annotated Title 23
- The Insurance Commissioner is appointed by the Governor for a term at the Governor's pleasure
- Arkansas uses a file-and-use system for most property and casualty insurance rates
- The Department handles licensing, rate review, market conduct examinations, and consumer complaints
- Arkansas law emphasizes consumer protection with a toll-free Consumer Services hotline at (800) 852-5494
Last updated: January 2026
Arkansas Insurance Department
The Arkansas Insurance Department is the state agency responsible for regulating the Property & Casualty insurance industry in Arkansas. The Department ensures fair insurance practices and protects Arkansas consumers.
The Insurance Commissioner
The Arkansas Insurance Commissioner is:
- Appointed by the Governor
- Serves at the pleasure of the Governor
- Responsible for enforcing Arkansas Code Annotated Title 23 (Insurance Code)
- Authorized to adopt regulations, review rates, investigate violations, and discipline licensees
Commissioner Powers
| Power | Description |
|---|---|
| Licensing | Issue, suspend, and revoke producer and company licenses |
| Rate Review | Review P&C insurance rate filings |
| Market Conduct | Examine insurer business practices |
| Enforcement | Investigate and prosecute violations |
| Consumer Protection | Handle complaints and protect policyholders |
| Rulemaking | Adopt regulations interpreting Arkansas Insurance Law |
Rate Regulation
Arkansas uses a file-and-use system for most P&C insurance:
- Insurers file rates with the Department
- Rates can be used immediately upon filing
- Department reviews rates for compliance
- Can disapprove rates if excessive, inadequate, or unfairly discriminatory
Consumer Protection
Consumer Services Division
Contact Information:
- Phone: (800) 852-5494 (toll-free)
- Local: (501) 371-2640
- Website: insurance.arkansas.gov
- Address: 1 Commerce Way, Suite 102, Little Rock, AR 72202
Exam Tip: Know the toll-free consumer hotline number (800) 852-5494 for Arkansas Insurance Department Consumer Services.
Test Your Knowledge
How is the Arkansas Insurance Commissioner selected?
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