Car Insurance in Arkansas

Compare Auto Insurance in Arkansas

Arkansas Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $25,000 property damage
  • Click here to read more on Arkansas state auto insurance minimums

Arkansas DUI Laws

  • DUI is considered a BAC of 0.08%
  • Enhanced sentencing for BAC of 0.15% and higher
  • Click here for more DUI laws in Arkansas.

Arkansas SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons
  • Drivers must complete an SR-22 for accidents that cause injuries or property damage in excess of $500.
  • Click here for all SR-22 requirements in Arkansas.

Arkansas Hands-Free Laws

  • The Arkansas Senate has passed several cell phone/texting laws
  • Arkansas House Bill 1013 prohibits text-based communications while operating a motor vehicle
  • Click here for Hands-Free laws in Arkansas.

Arkansas Teen Auto Insurance

  • Arkansas utilizes a Graduated Driver Licensing (GDL) system for teen drivers between 14 and 18.
  • The GDL is intended to minimize high-risk situations for inexperienced drivers.
  • Click here to learn all you need to know about Arkansas teen driver laws

The State of Arkansas requires all motorists to purchase and maintain coverage for bodily injury and property damage.

If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Arkansas sets the following minimum coverage requirements:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $25,000 total for property damage, per accident

When putting together your auto insurance policy, it’s important to remember that whatever amount you select is the maximum amount that your insurance provider will pay out on a claim. The minimum amounts as required by law are often times not enough to fully cover damages which occur in an accident for which you are responsible. Therefore, you may want to consider choosing higher amounts of insurance coverage when you purchase your policy.

You can rely on a professional insurance agent to give you sound, practical advice with regards to choosing auto insurance coverage amounts. In addition, an agent can answer any other questions or concerns you may have regarding your auto insurance needs and costs.
For answers to any other questions or concerns, please contact:

Arkansas Insurance Department

1200 West Third Street
Little Rock, AZ 72201
(501) 371-2600
(800) 282-9134
(800) 852-5494 (Consumer Services)
(800) 224-6330 (Seniors)

Arkansas Car Insurance Agents

If you live in Arkansas and are searching for an auto insurance agent to assist you with your insurance needs, you are in the right place.

Arkansas Auto Insurance agents are fully qualified professionals whose job is to make buying auto insurance easy and enjoyable for their customers. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right auto insurance policy for each individual client in terms of coverage and cost.

By asking the right questions about your personal needs and circumstances with regards to insurance and listening carefully to your answers, a good agent can put together a comprehensive auto insurance policy which protects you and your property, as well as your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle.

If you would like to receive a quote from a qualified agent, please use our Agent Locator. It offers an extensive list of professional agents in your local area.

Tips to saving money on your insurance premiums

  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • Reduce coverage on an older vehicle, especially if it’s paid for.
  • Group your policies together. This can earn you up to 10% off your total premium cost at some insurance companies.
  • If you don’t put a lot of miles on your car annually, ask about a low-mileage discount.
  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • Improve your credit score. Many insurance companies use your credit score to determine the cost of your premium. Be sure to check your score before applying for new insurance to make sure it is accurate and up-to-date.

By taking advantage of these money-saving tips and working with a professional insurance agent, you can be confident that you are getting the lowest possible rate on your auto insurance policy!

An educated and informed consumer always has the better chance of securing exactly what they need and want at the best rates available. In automotive insurance, informed and educated means being aware of the laws and regulations for the state, city and county in which you reside. In addition, your auto insurance provider should be committed to helping you thoroughly understand your policy and answering any questions you have. CarInsurance.Info provides the resources and expertise you need to make an informed decision when purchasing your Arkansas auto insurance.