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Arkansas Auto Insurance 
As an Arkansas resident, you're financially responsible for the damage and injury you cause in an auto accident. Liability protection insures you for these potential expenses, and is compulsory in Arkansas. Arkansas insurance law allows drivers to purchase first party benefit coverage. This covers you for some medical expenses, loss of income and accidental death that apply to every accident, regardless of fault.
Arkansas's minimum liability limits are below. If you have income and/or assets to protect, also consider optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.
If you are convicted of DUI in Arkansas (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to go the Arkansas Automobile Insurance Plan route. It was created in 1947 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Arkansas |
$25,000 |
$50,000 |
$25,000 |
$0 |
$0 |
Proof of insurance is required when you register the vehicle. Your insurer must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Penalties for driving without insurance in Arkansas are a $50-$250 fine.
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