Arkansas Car Insurance

Auto Insurance In Arkansas

Arkansas is a great state for road trips. There are 2.6 million acres of national forest land, Hot Springs National Parks, and expansive lakes such as Lake Dardanelle. Arkansas attractions and scenery draw about 23 million visitors every year. Before you plan your road trip to check out any of those sites or the Ozark or Ouachita mountain ranges, you have to have proper insurance. Fortunately, getting an Arkansas auto insurance quote is easy and only takes about 15 minutes.

Important Facts About Auto Insurance For Arkansas Drivers

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.

Your Arkansas car insurance must include, at least, the following required coverages:

  • 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 these coverages can be rejected in writing.

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 must have an adult who is at least 21 accompany them for the first six months after receiving the license. All cell phone and handheld device use are prohibited during the Learners and Intermediate License stages except for during emergencies.

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.