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Everything You Need to Know About Arkansas Auto Insurance Minimum Requirements

This is the one-stop-shop for all information you’ll need in order to compare the costs and services of some of Arkansas’s top car insurers and auto insurance liability policies. Find out what the minimum requirements are and then use our online quote tool to instantly compare company insurance rates. You just might save yourself hundreds of dollars in lower car premiums costs.

Understanding state auto laws can be a bit intimidating. You need to know what kind of liability system your state follows. Some states follow a tort system, while others follow a no-fault or hybrid system. We’ll help you understand Arkansas’s insurance requirements in order to choose the best insurance policy for you. At AIP, learn everything you need to know about Arkansas’s auto insurance laws and compare Arkansas auto insurance company quotes here.

Arkansas auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Does Arkansas have a tort, no-fault, or a hybrid system for auto insurance?

Arkansas is a tort system state. This means it holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

What about Personal Injury Protection? Is PIP insurance required in Arkansas?

Yes it is. It is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Do I need to buy uninsured motorist coverage if I live in Arkansas?

It is not mandatory, but that doesn’t mean you shouldn’t purchase addition coverage. An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Arkansas, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Arkansas auto insurance rates.

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