Arkansas Auto Insurance

"Being insured is the law in Arkansas"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the province of Arkansas.

• What does the law say pertaining to minimum insurance coverage in Arkansas?

Arkansas has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Arkansas, you can obtain your learner’s permit at fourteen and your restricted license at sixteen, with a full license at sixteen and a half.

To adhere to Arkansas's auto insurance rules, you must...

In Arkansas, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Arkansas requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Arkansas, you must have third party liability insurance for bodily injury with each person allowed $25,000.00, up to maximum of $50,000.00, as well as an additional $15,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Arkansas, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Arkansas:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Arkansas.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Arkansas

Auto Insurance FAQ

Question: auto insurance plz help!?
i have a 2005 ford mustang and im 17yrs old. i have had a couple of speeding tickets and etc. is there any place in arkansas were i can find cheap insurance thanks.

Answer: Good luck with that! I have not clue. Different isurance companies quote different and some quote from the same underwriter. You will just have to call around. They could give someone one quote and the other a different one, but I can tell you how to keep your tickets off of your record. When you get a ticket find out the amount of it by calling the county clerk or look on the back of the ticket. Add $20.00 to the amount and send in a check. They will put that the ticket has been paid and then send you a check back for the overdue amount. When you get it rip it up and throw it away. They can not send your points to your state capital to go on your record it all transactions have not been completed. I have done this 5 times and don't have a thing on my record! :)

Question: does farm burea in Arkansas cover vehicles with lights and siren for a volunteer fire department?
Volunteer Fire department in Arkansas. Lights and siren on it. Fire department is just volunteer not paid or full time. Will Farm burea auto insurance cover the vehicle?

Answer: Not on a personal auto policy!! The volunteer fire department should have coverage, on their policy, which extends to the personally owned vehicles of the volunteer firemen (or commendeered vehicles) when they bring them out on a call. Then you need the personal auto coverage (be sure to ask for the customizing equipment endorsement!!) for when you have/use the car NOT on a fire call.

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