Arkansas Auto Insurance

The Natural State

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Arkansas Auto Insurance

The beauty of Arkansas is what draws many visitors to this state; it is no wonder that Arkansas is known as the Natural State. The roads are often curved or under construction and open to obstacles in the road, including animals. A joyful, scenic drive can turn horribly in an instant, that’s why Auto Insurance in Arkansas is required.

Auto Insurance in Arkansas is different from carrier to carrier; AIS is here to help you compare and choose the best policy for you. Our AIS Instant Quote® form is quick and free. Submit your information or talk to a specialist to understand your state’s Auto Insurance requirements.

Required Arkansas Auto Insurance

Owning a car in Arkansas comes with the requirement of having car insurance coverage. The state wants you to be financially protected if you get into an accident and become responsible for a third party’s property damage or bodily injuries.

State Minimum Liability Coverage in Arkansas

Your Auto Insurance must have liability coverage with these minimum amounts:

  • BI or Bodily Injury: $25,000 per person, $50,000 total per accident
  • PD or Property Damage: $25,000 per accident

Optional Coverage in Arkansas to Consider

Most drivers will find that the minimum requirements of Arkansas Auto Insurance aren’t enough to give them peace of mind on the road. If you want to have more coverage to protect you financially, should an accident happen, these are some of the coverages that are optional and can be added to your policy.

  • Collision - This coverage helps pay for the costs related to damages made to your own car after an accident.
  • Comprehensive - This will help you pay for all other damages that are not caused by an accident, such as weather or fire.
  • Uninsured/Underinsured Motorist - Although the state requires auto insurance, there will be people who drives without insurance or not enough. This coverage gives you protection against these drivers that can’t pay for your accident-related costs if the accident is their fault.

Although Collision & Comprehensive Insurance is not required by law, it may be a required in your car loan or lease contract with the lender.

Most Stolen Car Models in Arkansas

Car Insurance rates are calculated by a variety of factors, one of which is if car models are more susceptible to theft. Below are the top 10 car models that are stolen in Arkansas, according to

  1. Chevrolet Pickup (Full Size)

  2. Ford Pickup (Full Size)

  3. Honda Accord

  4. Dodge Pickup (Full Size)

  5. GMC Pickup (Full Size)

  6. Chevrolet Picket (Small Size)

  7. Chevrolet Impala

  8. Honda Civic

  9. Toyota Camry

  10. Jeep Cherokee/Grand Cherokee

Arkansas Auto Insurance Discounts

The best way to save on your Auto Insurance is by having a clean driving record. If you’re looking for other discounts, consider these and ask our AIS insurance specialist if you qualify.

  • Good Driving Record
  • Good Student Driver
  • Multiple Car Policy
  • Homeowners

To learn more about specific discounts, visit our Discounts page.

Millions of people choose to live in Arkansas because of the natural scenery and the simple way of life. However, trying to find the right auto insurance coverage can sometimes be difficult, especially for people who don’t have the time to do all of the tedious research themselves. That's why the helpful, experienced professionals at AIS Auto Insurance Specialists can be an instrumental asset to Arkansas drivers. For information and a free quote on an Arkansas auto insurance policy, call AIS today!

Start an Arkansas Insurance Quote Today: (888) 772-4247

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