Arkansas Auto Insurance

Required Coverage Minimum - 25/50/25. A minimum coverage limit of $250,000 for injury liability for one person in an accident, $50,000 for all injuries in any one accident, and $25,000 for property damage in an accident.

Mandatory Arkansas Auto Insurance Coverage - The Arkansas auto insurance laws state that you must maintain a Property Damage Liability policy, Bodily Injury Liability policy

Proof of Arkansas Auto Insurance - auto insurance policy holders must submit an entire list of insurance to be compared with registrations at a state agency. You are not required to carry current proof of liability insurance in your vehicle.

Penalty for Failure to Comply - if you do not maintain the minimum insurance coverage, the penalty for a first offense is a $500 fine and license suspension.

More Arkansas Auto Insurance Laws

According to Arkansas auto insurance law, you are not required to carry Uninsured Motorist or Underinsured Motorist insurance. However, unless you decline it in writing, it will be included in any insurance package you buy.

If you cannot obtain auto liability insurance through the voluntary market, you can apply for coverage through your agent through the Assigned Risk Plan.

Non-Seatbelt Use

You can not be pulled over for non-seat belt usage. However, if you are pulled over for another traffic infraction and law enforcement notices that seatbelt non-compliance, he will fine you $25 per front seat.

Lawsuits - There are no restrictions on lawsuits for liability resulting from an accident

Arkansas Insurance Department

1200 West Third Street
Little Rock, AR 72201

Telephoe: 501 371-2600
Toll Free: 1 800-282-9134

Arkansas Insurance Department Website

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