Ark. Code Ann. » Title 27 Chapter 19
Arkansas Code Annotated

Ark. Code Ann. § 27-19-107 (2026)

Self-insurers

✓ current as of May 2026
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  1. Any religious denomination which has more than twenty-five (25) members who own motor vehicles registered in this state and which prohibits its members from purchasing insurance of any form as being contrary to its religious tenets, or any person in whose name more than twenty-five (25) vehicles are registered in this state or any political subdivision or municipality of this state, individually or collectively, may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the Office of Motor Vehicle as provided in subsection (b) of this section.
    1. The office may, in its discretion, upon the application of the religious denomination, person, political subdivision, or municipality, individually or collectively, issue a certificate of self-insurance when it is satisfied that the religious denomination, person, political subdivision, or municipality is possessed and will continue to be possessed of ability to pay judgments against them.
    2. The certificate may be issued authorizing a religious denomination, person, political subdivision, or municipality, individually or collectively, to act as a self-insurer for either property damage or bodily injury, or both.
    1. Upon not less than five (5) days' notice and a hearing pursuant to the notice, the office may, upon reasonable grounds, cancel a certificate of self-insurance.
    2. Failure to pay any judgment within thirty (30) days after the judgment shall have become final shall constitute a reasonable ground for the cancellation of a certificate of self-insurance.

History. Acts 1953, No. 347, § 88; A.S.A. 1947, § 75-1488; Acts 1987, No. 590, § 4; 1989, No. 189, § 1.

Research References

U. Ark. Little Rock L.J.

Survey — Insurance, 10 U. Ark. Little Rock L.J. 587.

U. Ark. Little Rock L. Rev.

Oliver, None for the Road: Addressing the Problem of Uninsured Vehicles and Drivers in Arkansas, 21 U. Ark. Little Rock L. Rev. 167.

Case Notes

Cited: Yarbrough v. Checker Cab Co., 256 Ark. 314, 507 S.W.2d 105 (1974); Branscumb v. Freeman, 360 Ark. 171, 200 S.W.3d 411 (2004).

Subchapter 2 — Definitions

Effective Dates. Acts 1987, No. 590, § 6: Apr. 4, 1987. Emergency clause provided: “It is hereby found and determined by the General Assembly that the escalating costs of automobile liability insurance premiums for the political subdivisions and municipalities of the State of Arkansas drain the financial resources of these local governments and that financial problems of local governments threaten the delivery of vital services to the citizens of this State and that by self-insuring their motor vehicles local governments may relieve themselves of this financial burden. Therefore, an emergency is hereby declared to exist and this Act being necessary for the preservation of the public peace, health and safety shall be in full force and effect from and after its passage and approval.”

Acts 2019, No. 910, § 6346(b): July 1, 2019. Emergency clause provided: “It is found and determined by the General Assembly of the State of Arkansas that this act revises the duties of certain state entities; that this act establishes new departments of the state; that these revisions impact the expenses and operations of state government; and that the sections of this act other than the two uncodified sections of this act preceding the emergency clause titled ‘Funding and classification of cabinet-level department secretaries’ and ‘Transformation and Efficiencies Act transition team’ should become effective at the beginning of the fiscal year to allow for implementation of the new provisions at the beginning of the fiscal year. Therefore, an emergency is declared to exist, and Sections 1 through 6343 of this act being necessary for the preservation of the public peace, health, and safety shall become effective on July 1, 2019”.

Notes of Decisions
Cited in 7 cases, 2000–2015 · leading case: Jordan v. Atl. Cas. Ins., 40 S.W.3d 254 (Ark. 2001).
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Jordan v. Atl. Cas. Ins., 40 S.W.3d 254 (Ark. 2001). · cites it 2× “1999)of that law provides it is unlawful for any person to operate a motor vehicle within this state unless the person is covered by a certificate of self-insurance under the provisions of Ark. Code Ann. § 27-19-107 (R.epl. 1994), or an insurance policy issued by an insurance…”
Branscumb v. Freeman, 200 S.W.3d 411 (Ark. 2004). “Section 27-22-104 provides: (a)(1) It shall be unlawful for any person to operate a motor vehicle within this state unless the vehicle is covered by a certificate of self-insurance under the provisions of § 27-19-107, or by an insurance policy issued by an insurance company…”
State v. Kelley, 210 S.W.3d 93 (Ark. 2005). “§ 27-22-104 states in relevant part as follows: (a)(1) It shall be unlawful for any person to operate a motor vehicle within this state unless the vehicle is covered by a certificate of self-insurance under the provisions of § 27-19-107, or by an insurance policy issued by an…”
S. Farm Bureau Cas. Ins. v. Easter, 45 S.W.3d 380 (Ark. 2001). “§ 27-22-104 provides, in relevant part: (a) (1) It shall be unlawful for any person to operate a motor vehicle within this state unless the vehicle is covered by a certificate of self-insurance under the provisions of § 27-19-107, or by an insurance policy issued by an insurance…”
Gill v. State, 2015 Ark. App. 162, 457 S.W.3d 674. · cites it 2× “Accordingly, it is unlawful for a person to operate a motor vehicle within this state unless the motor vehicle and the person’s operation of the motor vehicle are each covered by a certificate of self-insurance under section 27-19-107 or an insurance policy issued by an |, .”
In Re Ussery, 261 B.R. 227 (Bankr. E.D. Ark. 2001). “§ 27-19-107 (Mitchie Supp.1999). Ark. Stat.”
Jordan v. Atl. Cas. Ins., 32 S.W.3d 755 (Ark. Ct. App. 2000). “§ 27-22-104 (a)(l), that “It shall be unlawful for any person to operate a motor vehicle within this state unless the vehicle is covered by a certificate of self-insurance under the provisions of § 27-19-107, or by an insurance policy issued by an insurance company authorized to…”
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