Arkansas Auto Insurance Facts

We’ll make you feel more prepared driving in Arkansas With These Auto Insurance Facts.

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The state minimum auto insurance coverage in Arkansas

Liability Coverage Minimum Description
Bodily Injury Per Person $25,000 Each person you injured in an accident that you cause would receive $25,000, up to your policy limit.
Bodily Injury Per Accident $50,000 The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.
Property Damage Per Accident $25,000 The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.

Other types of auto insurance you can add to your policy are:

Uninsured/Underinsured motorist

Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.

Collision coverage

Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.

Comprehensive coverage

Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.

Medical payments

Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.

Personal Injury Protection (PIP)

Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.

General

Population

Population
2

Licensed % vs. Uninsured %

LICENSED VS. UNINSUREDLICENSED VS. UNINSUREDLICENSED VS. UNINSUREDLICENSED VS. UNINSUREDLICENSED VS. UNINSUREDLICENSED VS. UNINSURED
   72%

Insurance in Arkansas

Minimum liability

Minimum Liability
25/50/25

Number of insurance agencies

Number of Insurance Agencies

Annual premium state

Annual Premium State
$1,399

Driving laws

Max speed limits

Max Speed Limits
70 MPH

Miles of highway

Miles of Highway
209,159

DUI legal limit

DUI Legal Limit
0.08

Weird driving laws in state

Weird Driving Laws in State

Illegal to mispronounce “Arkansas”

Texting laws

Texting Laws

Illegal to text and drive.

Illegal to use a handheld phone until you’re 21. 18+ can use hands free.

Most stolen vehicles

Most Stolen Vehicles
  1. 1988 Chevrolet 4×2 pickup
  2. 1999 Ford F150 pickup
  3. 1986 Chevrolet caprice
  4. 2004 Dodge ram pickup
  5. 1996 Oldsmobile cutlass
  6. 1994 Chevrolet extended cab 4×2 pickup
  7. 2000 Honda accord
  8. 1999 Cadillac deville
  9. 1998 9 Jeep cherokee/grand cherokee
  10. 1993 Ford explorer

Conditions

Rainfall

Rainfall
50.6

Snowfall

Snowfall
4

Days of snowfall

Days of Snowfall
3.8

Popular cities

Popular Cities

Little Rock

Scenic drives

Scenic Drives

Talimena scenic drive

Highway 7

State parks

State Parks

Devil’s den state park

Mount magazine state park

Pinnacle mountain state park