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Arkansas Car Insurance

The beautiful natural landscape of Arkansas makes it an ideal destination for outdoor enthusiasts and a vibrant place for residents to call home. Whether you're cruising down Route 40, just passing through, or commuting to work, the last thing you want to worry about is whether you're protected in case of an accident or unforseen event.

Amica offers customized Arkansas car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Understanding Arkansas auto insurance requirements

In Arkansas, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.

Property damage liability coverage: Coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, if you opt for uninsured/underinsured motorist bodily injury coverage and uninsured motorist property damage coverage, Arkansas requires the following minimum limits:

  • Uninsured/Underinsured Motorist Bodily Injury Coverage:
    • $25,000 per person*
    • $50,000 per accident*
  • Uninsured Motorist Property Damage Coverage:
    • $25,000 per accident*

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you’re injured in an accident caused by a driver who’s uninsured or doesn’t have enough coverage to pay for your medical bills and other expenses.

Uninsured motorist property damage coverage: Helps protect your vehicle if it’s damaged in an accident caused by an uninsured driver or by a hit-and-run driver who cannot be identified.

*In Arkansas, these coverages can be rejected in writing.

It’s important to understand that these are just the minimum requirements, and Arkansas drivers may choose higher coverage limits for added protection.


Additional coverage considerations in Arkansas

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Arkansas drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: Coverage for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault.
  • Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

How Arkansas auto insurance rates are determined

There are several factors that impact auto insurance in Arkansas, including individual circumstances, location, vehicle type, coverage options and more. Here are a few points to consider:

  • Driving history: Your individual driving record significantly impacts Arkansas auto insurance premiums. Arkansas drivers with a history of accidents or traffic violations typically face higher rates than those with clean records.
  • Claims in Arkansas: Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in Arkansas.
  • Weather patterns in your state: Weather events such as hurricanes or severe storms may affect Arkansas auto insurance premiums, particularly for comprehensive coverage that includes protection against weather-related damage.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with Arkansas car insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some ways Arkansas drivers can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Arkansas policy premium up front.

If you're an Arkansas driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 30% with a multiline discount.1


Facts and figures about Arkansas

Fun facts about Arkansas:

  • Arkansas is home to the only public diamond mine in the U.S. at Crater of Diamonds State Park.2
  • There’s a law that penalizes the mispronunciation of Arkansas.2
  • Little Rock is named for a rock outcropping on the banks of the Arkansas River. A single rock, known as the "Little Rock," is a historic landmark. It’s listed on the National Register of Historic Places and can be found along the riverfront.2

Facts about driving in Arkansas:

  • In Arkansas, you must turn on your headlights when your windshield wipers are in use.3
  • Teens in Arkansas can receive a learner’s license at 14, an intermediate license at 16 and a full driver’s license at 18 years of age.3
  • Accidents resulting in injury, death or more than $1,000 in property damage must be reported to the Office of Driver Services.3

How to get car insurance in Arkansas

We’re here to guide you through the process of personalizing your car insurance in Arkansas. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Arkansas drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Arkansas drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise. 

Get an auto insurance quote

or call 833-513-3881


Discounts not available in all states and may vary.

11 Quirky Facts About Arkansas That Sound Made Up, But Are 100% Accurate

Arkansas Drivers Manual
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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