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Arkansas Minimum Liability Insurance Requirements

The state requires a minimum level of liability insurance for each driver to operate a motor vehicle in Arkansas. If proper insurance is not maintained while driving your license may be subject to suspension. Any insurance company that is licensed to operate in Arkansas will offer a minimum level as follows:

$25,000 in Bodily Injury per person
$50,000 in Bodily Injury per accident
$25,000 in Property Damage

Be sure to carry proof of liability insurance on your person or in the vehicle while driving.

What Is The Average Premium for Auto Insurance in Arkansas?

$55 per month

According to information by the National Association of Insurance Commissioners for 2007 the estimated monthly average is $55. This is an estimate of the combined average premium per insured vehicle with liability and may include comprehensive or collision coverages.

Are you paying too much for auto insurance, get quotes to compare rates in your area.

What if I'm involved in an accident in Arkansas?

Within 30 days of the accident both parties involved need to file an SR-21 form with the state if there is more than $1000 in damages. If you have failed to file the SR-21 and the accident is your fault your driver's license could be suspended. There are more requirements to complete after an accident so check with the Department of Driver Services.

Arkansas SR-22 Auto Insurance

Arkansas requires drivers with suspended licenses to maintain a financial responsibility filing called SR-22. For most drivers whose license has been suspended you must file this form. In most cases involving driving under the influence of alcohol you will be required to file an SR-22 with the Arkansas Department of Finance and Administration. This filing is normally required for a period of 3 years but may be longer depending on your court order. Reference our SR22 insurance page for more details about SR-22 forms.

 

 

 

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