Arkansas Auto Insurance Guide

Whether you own a car, truck, motorcycle, or anything else, having auto insurance in Arkansas is a must. As the state with the third highest average motor vehicle related death rate in the country, maintaining a good insurance policy should be a top priority. Here's an overview of the state's auto insurance requirements, laws, and more!

Arkansas Insurance Regulations

Regardless of your vehicle, Arkansas auto insurance laws require that you at least have liability insurance coverage. If requested by a peace officer, you must present proof of insurance for your vehicle or you could be subject to some stiff penalties. Generally, there is a $250 fine for driving without auto insurance for first-time offenders. Repeat offenders may face more severe penalties, with a maximum $1,000 fine and up to one year in jail time. Your vehicle's registration may also be suspended if you are found to be driving without the minimum insurance coverage.

Mandatory Minimum Coverage in Arkansas

Every state has their own mandatory minimum auto insurance requirements. In Arkansas, you must meet these minimum liability coverage amounts to remain legal on the road:

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $25,000 property damage in an accident

Motorcycle Coverage Requirements

Like normal vehicles, motorcycles have their own coverage requirements as well. Motorcycle auto insurance in Arkansas happens to use the same 25/50/25 standard as other vehicles:

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $25,000 property damage in an accident

Keep in mind that meeting the minimum insurance requirements does not excuse you from wearing a helmet if you are under the age of 21. Even those over the age of 21 must at least have protective eye-wear according to Arkansas auto insurance laws.

Arkansas Auto Insurance Advice

When you're purchasing auto insurance in Arkansas, meeting the state's minimum requirements is obviously the first priority. However, that doesn't mean you shouldn't take out a more comprehensive policy. The state's auto insurance requirements provide protection to other drivers in the case that you cause an accident, but won't help you out much. We highly recommend that you look for a policy that at least includes some form of collision protection as well. This will help pay for any damage your vehicle incurs during an accident. You may also want to think about uninsured or underinsured motorist coverage, which can help pay for damage or bodily injury if another driver doesn't have a sufficient policy.