Arkansas Auto Insurance Requirements

As a “Tort Sate”, Arkansas’ state insurance laws simply state that you, as an operator of a motor vehicle, are financially responsible for any personal injuries or property damage cause by an accident for which you are at fault. As protection for this, Arkansas requires that you have liability insurance with minimum levels of 25/50/25 (see the chart below) to help to cover these expenses.

Arkansas drivers may add even more protection by purchasing one or more “First Party Benefits”, such as medical expense, accidental death or loss of income/wages. These policies will help protect you, regardless of who is at fault in an accident.

Additional policy add-ons include uninsured/underinsured motorists, collision and comprehensive coverage. These add-ons can help provide maximum insurance protection.

You may want to consider purchasing limits of coverage higher than those required by law to protect your assets or property, as you may be personally responsible for any damages above the policy limits.

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Auto Insurance for Leased Vehicles in Arkansas (AR)

Most leasing companies in Arkansas typically require drivers to maintain insurance coverage which exceeds the minimums set by Arkansas state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Special Insurance Considerations for Drivers in Arkansas by City

• Little Rock

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Contacts for Auto Insurance Information in Arkansas

**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010