Arkansas Car Insurance (AR)

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The owner or operator of a vehicle must have minimum liability coverage:
- $25,000 per person for Bodily Injury;
- $50,000 per accident for Bodily Injury;
- $25,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;
- Personal Injury Protection;

Proof of insurance required:
- At registration (YES)
- At time of accident (NO)
- At all times in vehicle (NO)

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

Arkansas Car Insurance Requirements: Necessary Expense For Protection On The Road

You might think of it as an additional expense, but it is an expense that you cannot do without. Spending for your car insurance coverage is a mandatory requirement for anyone who wishes to drive in Arkansas. There is a tort system that is in force in Arkansas that is why it is important to make sure that you are adequately covered in case you accidentally injure another person or damage another person's property. The person at fault in any accident will first have to be determined to establish financial liability. There are different tort systems from state to state and anyone moving to another state should be aware of these differences so he can adjust his car insurance coverage as necessary. You may also want to protect yourself in case you are injured in an accident that you did not cause and the person who caused the accident is uninsured or underinsured by purchasing an uninsured/underinsured motorist bodily injury coverage. Although this is not required, this could provide you with the financial resources in case you cannot be fully compensated for your injuries. Before claiming on this provision, however, you might want to check your options or any possibilities that you can collect from the motorist at-fault first. Often, invoking the uninsured/underinsured motorist bodily injury coverage will waive all your rights to sue the driver at fault for damages.

The Arkansas State Department of Motor Vehicle requires that any motorist in the state have the basic 25/50/25 coverage. This provides for a minimum coverage of $25,000 for every person who is injured due to an accident. The maximum bodily injury claim provided under this coverage is $50,000. Property damage liability coverage should be at least $25,000. There is no stopping you from getting coverages over these minimum state requirements. You can find out from your car insurance companies what kinds of options are available to you in as far as increasing your coverage amounts as well as adding on more benefits to your basic coverage. The more benefits you add on to your car insurance policy, the higher your premiums will be. However, the benefits that you will enjoy far outweigh the premiums that you will have to pay. Car insurance premiums in Arkansas saw a 5% drop in the previous year. The average premium is also slightly lower than the annual average car insurance premiums. You have to ensure that you keep your driving record clean in order to take advantage of lower rates. Look for car insurance companies that can give you the best car insurance coverage at the best premium rate.

Arkansas Department of Insurance

• 1200 West Third Street, Little Rock, AR 72201-1904
• Phone: (501) 371-2600
• Fax: (501) 371-2618
• insurance.arkansas.gov

Arkansas Department of Transportation

• 10324 Interstate 30, Little Rock, AR 72209
• Phone: (501) 569-2000
• Fax: (501) 569-2400
• www.arkansashighways.com