Arkansas Minimum Auto Insurance Requirements in 2024 (AR Mandated Coverage)

Arkansas minimum auto insurance requirements ensure that every driver has essential liability protection, with set limits of $25,000 for injury per person, $50,000 per accident, and $25,000 for property damage.

USAA offers the lowest rates starting at $22 per month, followed by State Farm at $33 and Geico at $30. These companies meet Arkansas’s required minimums while providing comprehensive auto insurance and affordable options for drivers seeking to stay compliant without exceeding their budget.

Arkansas Minimum Auto Insurance Requirements & Limits

In the state of Arkansas, all drivers are required to carry current vehicle insurance. There are no exceptions to this rule and Arkansans must also take a record of their car insurance proof in the car with them at all times.

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.

Arkansas Minimum Coverage Requirements & What They Cover

Understanding the car insurance requirements in your state is important. Knowing where to go for information is one of the most important things. You can bookmark this site on car insurance regulations to learn more about your state’s requirements.

There are many different types of auto insurance coverage. However, the ones listed below are the main types of insurance that you should be concerned with.

• Bodily Injury Liability: Bodily injury liability is auto coverage that covers any type of bodily injury or death that you cause due to negligence when on the highway.
• Property Damage Liability: Property damage liability covers damage to the property such as a vehicle or any kind that was damaged due to the driver who caused the damage. This type of insurance keeps you from having to pay for this high expense out of your own pocket.

If you need to know the basic insurance requirements in the state of Arkansas, this include a minimum of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. These coverage limits ensure that drivers have a basic level of financial protection in the event of an accident.

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Cheapest Car Insurance in Arkansas

Let’s unveil the cheapest car insurance in Arkansas, which helps AR drivers save money while meeting required coverage. USAA is the cheapest option, with rates starting at $22 per month. It’s known for great customer service and benefits for military members and their families.

Following USAA, State Farm ranks as the second cheapest provider, with minimum rates at $33 per month. State Farm offers good prices, reliable service, and local agent support, making it a great choice for affordable coverage. Geico is another option with low rates and easy-to-use online tools, starting at $30 per month.

Monthly Minimum Auto Insurance Rates from Top Providers in Arkansas

When comparing other top providers in Arkansas, Geico and Progressive also deliver affordability, with rates starting at $30 and $39 per month, respectively.

Companies like American Family and Nationwide provide rates as low as $44 per month, making them competitive choices for drivers seeking balance between cost and quality. Travelers and Farmers offer affordable options as well, with rates at $37 and $53 per month, respectively.

For drivers prioritizing customization and additional perks, Liberty Mutual offers coverage starting at $68 per month, while Allstate’s offerings begin at $61 per month. Comparing rates and features among these providers ensures AR drivers can secure the best Arkansas auto insurance that suits their coverage needs and budget.

Penalties for Driving Without Insurance in Arkansas

In Arkansas, while it is not required to insure or register a vehicle that is not being driven, the penalties for driving without insurance are severe. Even driving a short distance without proof of insurance can result in fines ranging from $50 to $250 for a first offense.

A second offense carries steeper penalties, including fines between $200 and $500 and vehicle registration suspension. For a third offense, drivers face fines of $500 to $1,000 and may even face up to one year of jail time. These strict penalties show why it’s important to have insurance when driving.

Read more: Best Auto Insurance Without Penalties for No-Fault Accidents

Other Coverage Options to Consider in Arkansas

Beyond the standard coverage, Arkansas drivers can consider several other coverage options:

• Personal Injury Protection (PIP)/Medical Payments: Personal injury protection (PIP) covers medical payments, lost wages, and rental car costs due to the fact that you are out of work or transportation due to an accident that was not your fault. It also covers your medical or other expenses in a “no-fault” state where the person at fault may not be liable for damages.
• Collision: Remember that liability insurance is the minimum coverage required in the state of Arkansas. But you still need coverage for your vehicle to repair collisions that the other party does not pay for. In the case of an accident that was your fault, for example, you would be required to use your insurance to pay for the damages. You must carry collision insurance to do this.
• Comprehensive: This type of insurance has nothing to do with car accidents. Instead, it covers other incidents such as “acts of nature,” car theft, or accidents that don’t involve a car collision. Arkansas does not require this coverage, but it is important.
• Uninsured and Underinsured Motorist Coverage: Arkansas is a “fault” state. This means the person at fault will pay the liability damages to the injured party. In Arkansas, you would have to pay for the costs if someone hits you and damages your vehicle, which is not insured or underinsured motorist coverage. But, if you have this type of coverage, your insurance will pay for the damages.
• Gap Coverage: Gap insurance is a valuable choice for drivers with financed or leased vehicles, covering the difference between the car’s actual cash value and the remaining loan balance if the vehicle is totaled.
• Rental Car Reimbursement: Rental car reimbursement coverage can help cover the cost of a rental car if your vehicle is out of commission after an accident. Roadside assistance provides services like towing, tire changes, and fuel delivery, offering peace of mind for unexpected breakdowns.

In addition, for those using their personal vehicles for ridesharing or delivery services, rideshare coverage or commercial auto insurance may be necessary to fill coverage gaps during work-related driving.

Additionally, custom equipment coverage can protect any modifications or aftermarket additions to your vehicle, such as specialized tires or a sound system. Exploring these options allows Arkansas drivers to build a policy that fully addresses their lifestyle and potential risks.

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Special Laws or Exceptions in Arkansas

There are no special laws or exemptions for auto insurance in Arkansas except when there is an unusual circumstance that requires unlicensed and uninsured drivers to drive in an emergency situation only.

For example, if you live in Arkansas and you had your license suspended and cannot get insurance due to a DUI or other circumstance, a local judge may grant you a temporary right to drive a particular distance for emergencies in a life-threatening situation.

Underaged drivers may qualify for similar exceptions for driving to school or work only when no other viable means of transportation are available. Standard insurance laws are waived in these cases.

Financial Responsibility Laws

There is no financial responsibility legislation in the state of Arkansas. These types of laws are reserved for states such as New Hampshire where they do not require drivers to carry insurance.

Instead, they need proof of financial responsibility to show they can afford to pay for an accident if one occurred without the benefit of insurance coverage.

Minimum Requirements vs. Recommended Coverage in AR

The state of Arkansas has reasonable requirements for drivers regarding car insurance. They require a large enough liability minimum that they should be covered for any incident involving the liability of an injured party if they cause the accident.

Arkansas Min. Coverage Auto Insurance Monthly Rates by City

However, drivers may want to consider increasing their coverage amounts in case the standard amount is not enough.

You never know what type of accident or situation you will find yourself in. Industry-recommended coverage is a minimum of $100,000 bodily injury liability insurance per person and $300,000 per accident.

You can only buy as much insurance as you can afford but ask yourself if you could pay the difference between the state-mandated amount and these costs if you were in a serious accident.

If you are looking for the best auto insurance, do some comparison shopping and consider the risk factors you have when you drive.

Getting Car Insurance in Arkansas

Securing car insurance in Arkansas is not only a legal requirement but also a critical step in protecting yourself financially while on the road. Arkansas requires a minimum coverage of 25/50/25 to provide basic liability protection, but this may not be enough for major accidents or damages.

Exploring additional options like comprehensive and collision coverage, gap insurance, or higher liability limits can provide peace of mind and safeguard your finances against unexpected incidents.

Read more: Collision vs. Comprehensive Auto Insurance

To find the best car insurance in Arkansas, compare rates from companies like USAA, Geico, and State Farm, starting at $22 per month. Choosing the right coverage is important for your safety and financial protection. See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool.

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