Arkansas’ minimum car insurance coverage requirements
While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum car insurance requirements for Arkansas:
Is it mandatory to have car insurance in Arkansas?
Yes
What are the minimum limits for Arkansas?
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
—or—
25/50/25
Dairyland® coverage in Arkansas
We’re proud to be able to help drivers in Arkansas meet their insurance needs. Here are some of the parameters of our insurance coverage in Arkansas:
What is the maximum bodily injury liability and property damage liability limit in Arkansas?
$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$100,000 property damage liability per accident
—or—
100/300/100
What coverages are required to be offered in Arkansas? Can a customer reject them?
Bodily injury liability and property damage liability must be offered and can’t be rejected. The following must be offered, but they can be rejected:
Uninsured motorist (UM) bodily injury
Underinsured motorist (UIM) bodily injury
Uninsured motorist (UM) property damage
Personal injury protection: Medical and hospital benefits
Personal injury protection: Income disability benefits
Personal injury protection: Accidental death benefits
What are all the coverages available in Arkansas?
Bodily injury liability
Property damage liability
UM bodily injury
UIM bodily injury
UM property damage
Medical payments
Comprehensive
Collision
Personal injury protection: Medical and hospital benefits
Personal injury protection: Income disability benefits
Personal injury protection: Accidental death benefits
Lienholder deductible
Special equipment
Rental reimbursement
Roadside assistance
Car loan protection
What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Arkansas?
20 years
How far back does Arkansas go to look at violation history?
3 years
What additional policy types are offered in Arkansas?
Is an insurance score used in my rating in Arkansas? If so, is it mandatory?
Yes, an insurance score is used for rating in Arkansas, but it’s not mandatory.
What policy terms are offered in Arkansas?
6 months and 12 months
What is the minimum down payment for Dairyland auto coverage in Arkansas?
20% for 6-month terms, 10% for 12-month terms
Are SR22s used in Arkansas? If so, is there a fee assessed?
SR-22s are used, and filed for free.
What discounts are available in Arkansas?
Multi-car
Homeowners (home, townhouse, condo, or mobile home)
Prior insurance (transfer)
Paid in full
Advanced quote
Good student
Defensive driver course
Quarterly
