Arkansas Auto Insurance Car Insurance Comparison

Arkansas is known as "The Natural State" for its large variety of minerals, including diamonds. Currently the only state in the U.S. with an active diamond mine, Arkansas truly is a rare gem.

Requirement : Yes

Car insurance is required in Arkansas . Drivers must have a minimum of liability, personal injury protection, and uninsured/underinsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability, personal injury protection, and uninsured/underinsured motorist coverage is required:

• $25,000 for bodily injury to one person.
• $50,000 for bodily injury per accident.
• $25,000 for property damage liability per accident.
• Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
• $45,000 for medical costs one person.
• $900 per month for 1 year of disability, and loss of income.
• $25 per day for in-home services
• $2,000 for funeral, cremation, or burial expenses
• $4,500 for rehabilitation
• Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
• $25,000 per person
• $50,000 per accident

Other Car Insurance Coverage Options:

Liability, personal injury protection, and uninsured/underinsured motorist coverage are the only requirement for Arkansas motorist to have, there are several other types of coverage available to drivers:

• Collision – Covers damages to your vehicle due to an accident.
• Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
• Rental Reimbursement – Reimburses you if you have to rent a car after an accident.

• Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Arkansas requires all drivers to have minimum coverage.
 

Proof of Insurance: Yes

You must carry proof of insurance with your vehicle at all times.

Valid forms of proof of financial responsibility include:

• Insurance card.

The card will include:

• Vehicle’s information:
• Make
• Model
• Year
• Safety Rating
• Value
• Your policy name & name of any other drivers insured under the policy.
• The policy term’s expiration date.
• A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

• Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face suspension of your driver’s license for an indefinite period of time.

Credit Scores & Determining Your Insurance Premium :

All Arkansas drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers   who are refused coverage by 3 private companies are eligible to apply for car insurance through the Arkansas Automobile Insurance Plan.

Other factors that may be used to determine your premiums include:

• Age
• Gender
• Claim history
• Credit history
• Driving history
• Marital status
• Make, model of car
• Neighborhood or city of residence
• Deductible

Discounts : Yes

Discounts available in Kansas:

• Anti-theft discount
• Good driver discount
• Good student discount
• Multi-vehicle discount
• Safety device discount

Cellphone Use:

Novice drivers are banned from all cellphone usage. All drivers are banned from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $60 fine.