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.
| 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.
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:
GEICO offers various car insurance discounts to help Arkansas drivers get affordable coverage, including:
Review these Arkansas car insurance laws and ensure you're properly insured before you get on the road.
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.