Arkansas Car Insurance

Looking for affordable car insurance in Arkansas? GEICO makes it easy to find coverage that fits your needs, whether you're cruising through Little Rock, commuting in Fayetteville, or taking in the scenic routes of the Ozarks. From required liability coverage to optional protection that goes the extra mile, we’ll help you build a policy that gives you confidence on every drive.

What are the Minimum Requirements for Arkansas Car Insurance?

Coverage Minimum Requirements for Arkansas
Bodily injury liability coverage $25,000 per person and $50,000 per accident
Property damage liability coverage $25,000 per person
Uninsured motorist bodily injury coverage $25,000 per person and $50,000 per accident*
Underinsured motorist bodily injury coverage $25,000 per person and $50,000 per accident*
Uninsured motorist property damage coverage $25,000 with a $200 deductible*
Medical benefits $5,000*
Lost earnings $140 per week*
Accidental death benefits $5,000 per person*

*Please note that these coverages can be rejected in writing.

Additional Auto Insurance Coverage in Arkansas

Arkansas drivers can add extra protection to their auto insurance policy with optional coverages from GEICO. These coverages help cover costs that aren’t included in a basic liability policy, such as:

  • Collision Coverage: Pays to repair or replace your vehicle if it’s damaged in a collision.
  • Comprehensive Coverage: Covers damage to your vehicle from non-accident events like theft, fire, vandalism, or weather.
  • Emergency Roadside Service: Helps with flat tires, dead batteries, lockouts, and towing when your car breaks down.
  • Rental Car Reimbursement: Helps pay for a rental car while your vehicle is being repaired after a covered claim.
  • Mechanical Breakdown Insurance: Helps cover costs from repairs if your vehicle breaks down, needs replacement parts, or suffers other types of mechanical problems in excess of the manufacturer's warranty.

How Can I Save Money on Arkansas Car Insurance?

GEICO offers various car insurance discounts to help Arkansas drivers get affordable coverage, including:

  • DriveEasy*: Enroll in the DriveEasy program through the GEICO mobile app and get rewarded for safe driving habits.
  • Multi-Policy Discount: Save on car insurance by bundling your auto and other policies through GEICO Insurance Agency.
  • Good Driver Discount: Arkansas residents who maintain a clean driving record for at least five consecutive years may qualify for lower rates.
  • Vehicle Equipment Discounts: Cars with safety features like anti-theft and anti-lock braking systems may be eligible for reduced premiums.

Arkansas Car Insurance Laws and Regulations

Review these Arkansas car insurance laws and ensure you're properly insured before you get on the road.

  • Before you may title and register your vehicle, you must show the Arkansas Office of Motor Vehicles (OMV) your proof of insurance.
  • If you are caught without proof of insurance, your vehicle's registration may be suspended. To reinstate it, you'll have to buy insurance and show proof to the OMV. You may also have to pay a reinstatement fee.

Arkansas Teen Driver Laws

The law requires Arkansas teen drivers to go through a three-step graduated license program.

Teens may apply for an Arkansas Learners License starting at 14. The teen driver must pass a written and road test along with a vision exam and have no record of an accident or driving convictions within the last six months. When the teen has successfully obtained his or her Arkansas Learners License, he or she may drive only when accompanied by a licensed driver who is 21 years or older. An Arkansas Learners License expires when the driver turns 16.

At 16, a teen driver may apply for an Arkansas Intermediate License. Intermediate License holders younger than 18 with less than six months of driving experience must have an adult who is at least 21 accompany them for the first six months after receiving the license.

The Intermediate License expires when a teen turns 18; at that point, he or she may apply for an Arkansas Regular License. The teen must not have any serious traffic violations or accidents during the 12 months before applying.

Arkansas Car Insurance FAQs

  • What's the average cost of car insurance in Arkansas?

    Car insurance rates in Arkansas vary based on several factors, including your driving history, location, vehicle type, and coverage levels. Even your credit score and annual mileage can influence what you pay. GEICO offers a Coverage Calculator to help you estimate the right protection for your needs.

  • Is Arkansas a no-fault insurance state?

    No, Arkansas is not a no-fault state. It follows a traditional fault-based system, meaning the at-fault driver is responsible for covering the costs of an accident.

  • What is the penalty for driving without insurance in Arkansas?

    Driving without insurance in Arkansas can result in fines, license suspension, and registration penalties. You may also be required to file an SR-22 form to prove future financial responsibility. It’s always safer—and smarter—to stay insured.

  • How can I lower my car insurance costs in Arkansas?

    You can reduce your premiums by maintaining a clean driving record, choosing a higher deductible, or taking advantage of available discounts. Using GEICO’s mobile app or online account can help you manage your policy and find more ways to save.

Please note:

*DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.

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