Arkansas Auto Insurance Quotes - Car Insurance Rates for AR

Arkansas State Auto Insurance Requirements

Arkansas state law needs minimum Bodily Injury Liability of about $25,000 for every injured person a total of about $50,000 per accident & Property Damage Liability with bare minimum of $25,000. This coverage is referred as 25/50/25 coverage.

Arkansas State Coverage:

Bodily Injury Liability: Up to $25,000/$50,000 Limit
Property Damage Liability with bare minimum of $25,000.

State of Arkansas pursues Tort system that means someone should be at fault for causing accident & that person and its insurance company is in charge for all damages. You must be aware that details of tort system differ from one state to another.

You can also get Uninsured or Underinsured Motorist Injury coverage in order to cover the bodily injury that is caused by the uninsured or underinsured driver (that again depends on a state). Arkansas doesn’t require drivers to buy this coverage, however you must think of buying this coverage.

In 1997, Arkansas Department Of Insurance started tracking all the auto liability insurance all over the state. The insurance companies have reported their auto policies straight to state database that compares the vehicle identification numbers to active policies. In case your VIN does not match the policy on file, then you are operating your auto illegally.

Insurance Minimum Needs

When you register car or else transfer title in Arkansas, first you have to give a proof of vehicle liability insurance on auto.
By law, you should carry at lease following minimum insurance liability:
1) $25,000 for bodily injury
2) $50,000 for each accident
3) $25,000 in order to cover the property damage

Also it is very important that you get right level of Insurance coverage thus take out time to know what your broker, company, or else agent is suggesting you.

Keep your car insurance card in your vehicle every time. It will be needed at traffic stop or else if you have accident.

Enforcement

Arkansas Office of the Motor Vehicles maintain current list of insurance coverage for each registered vehicle. OMV is informed in 30 days of your insurance policy lapse in case you fail to make the payment or else cancel this policy.

Without any valid insurance, your listing will be suspended and you will need to prove you have an liability insurance prior to your registration is restored.