To legally drive, Arkansas drivers must Must have state minimum auto insurance requirements. In Arkansas, minimum coverage includes personal injury and property damage liability coverage. The state average minimum coverage premium is $437 per year, which is lower than the national average, but most insurance professionals recommend getting full coverage auto insurance if you can afford the extra financial protection. is recommended. Auto insurance in Arkansas is higher than the national average at $1,806 per year.

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Arkansas Auto Insurance Law

All drivers in Arkansas are required to have a minimum auto insurance policy to legally drive a vehicle. Arkansas' minimum auto insurance is abbreviated as 25/50/25, which includes personal liability insurance. The coverage limits included in the minimum coverage insurance are as follows:

• $25,000 personal injury liability coverage per person
• $50,000 personal injury liability coverage per accident
• $25,000 property damage per accident liability insurance

Arkansas auto insurance companies must also offer uninsured or underinsured auto insurance, but the policyholder can decline. Nearly 20% of Arkansas drivers are uninsured, so getting uninsured or underinsured auto insurance is a good idea.

If you cause an accident, the other driver's medical expenses are covered by the personal injury liability insurance, and property damage liability is covered. Coverage is paid for the repair of other drivers' cars if there is damage. It's important to note that Arkansas' minimum coverage policy does not protect your vehicle.

Arkansas also offers personal injury protection insurance (PIP) to insurance companies. If you do not wish to participate, you must decline the offer in writing.

Arkansas Liability Insurance

Arkansas Motor Insurance Law requires a minimum of 25/50/25 liability insurance. But if you are in a serious car accident, will this provide enough coverage? Many insurance experts would say no.

If you cause an accident that exceeds the liability limit, you will be responsible for the excess. Car accidents can be expensive, and the costs of even minor accidents can add up quickly.

In addition, compulsory automobile liability insurance pays for damages and expenses to other vehicles in an accident at fault, not to your own vehicle. If your car is damaged in an accident and you have insurance with minimal coverage, you will have to pay for the damage to your car yourself. If you wish to insure your own vehicle, you must carry a full coverage policy, including collision and comprehensive insurance. It will cost more, but may provide more financial protection in the event of a covered incident such as an accident or vandalism.

Is Arkansas a blameless state?

Arkansas is not considered a blameless state. In a no-fault situation, the driver's insurance company will cover post-accident medical costs and lost wages, up to a limit, regardless of who is at fault. In states of negligence or misconduct, such as Arkansas, the negligent driver's insurance pays for other drivers' hospital bills. For this reason, no-fault drivers must be covered by Personal Injury Protection (PIP).

Uninsured driving penalties in Arkansas

It is illegal to drive in Arkansas without auto insurance. If you are stopped by law enforcement and found to be driving uninsured, you may be fined, your license plate removed, and your registration suspended. If you have an accident without insurance, your vehicle may be confiscated. These are the results for the first violation. If you are caught driving without insurance more than once, you may face higher fines and jail time. To reinstate your driver's license, you will generally need to purchase SR-22 insurance and pay a license reinstatement fee.

In 2020, Arkansas passed a new law that allows law enforcement officers to see real-time insurance data while manipulating license plates. If the database shows that the driver's policy has expired, the driver automatically receives a $100 fine. If the driver does not provide an up-to-date insurance certificate within a certain period of time, the driver's registration will be permanently suspended until insurance is purchased and the fine is paid.

Arkansas Other Auto Insurance Coverage Options

Arkansas auto insurance law requires all drivers to carry a minimum amount of insurance coverage. However, many drivers opt for additional coverage for added financial protection. These may include full compensation components such as Collision and Comprehensive Compensation, but may also include Policy Approval. Not all carriers offer these types of guarantees, but some common ones include:

• Gap Insurance: If you are leasing or financing your vehicle, Gap Insurance may be helpful. If your vehicle is totaled, Gap Insurance helps pay the difference between your vehicle's reduced value and your outstanding loan balance.
• Roadside Assistance: Roadside Assistance pays for minor vehicle repairs. Services such as towing (up to a certain distance), fuel delivery, battery replacement, flat tire replacement
• Forgiveness for Accidents:Accident waivers allow you to After that, your car insurance premium will never go up. Please note that most auto insurance companies have limits on damage covered by accident waivers, and some drivers may not be covered under the warranty.
• New Vehicle Replacement: New Vehicle Replacement Coverage covers the cost of an existing vehicle if it is included in the covered loss and for similar year and model there is.

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Frequently Asked Questions

• • What is the best auto insurance company in Arkansas?

    There is no one best car insurance company for everyone. A company that gave your neighbor a high rate may not be able to do the same for you. That is why it is recommended to compare and compare In addition to price, coverage types, discounts, and customer satisfaction should also be considered when choosing the best auto insurance company for your needs.

  • What is the cheapest car insurance in Arkansas?

    Based on sample rate estimates, the cheapest auto insurers in Arkansas include USAA, Southern Agriculture farmer. You may also be able to lower your car insurance premium by taking advantage of discounts, bundling your insurance, paying the full annual premium, or improving your credit score. Comparing quotes can also help you find out which company has the lowest rates for you.

  • How much is auto insurance in Arkansas?

    In Arkansas, the average cost of auto insurance is $1,806 per year ($150 per month) for full coverage, $437 per year ($36 per month) with minimum coverage insurance. However, keep in mind that auto insurance rates are set differently based on factors such as zip code, age, credit score, and driving record. Auto insurance premiums in Arkansas vary greatly depending on the driver.

  • 
    Do I need insurance to register a car in Arkansas?

    Proof of insurance is required when registering a vehicle in Arkansas. You must be able to prove that you have at least state minimum 25/50/25 liability insurance. Note that you can register your car for 30 days after purchasing it, but there is no grace period for insurance. To drive legally, you need a valid policy.

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