Better rates for better drivers in Arkansas

To legally operate a vehicle in Arkansas, you must carry Liability insurance,  Uninsured/Underinsured Motorist coverage, and Personal Injury Protection. If you are found driving without these, you may face fines and suspension of your vehicle registration.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.

Minimum required Liability coverage in Arkansas: 

• $25,000 Bodily Injury (per person)

• $50,000 Bodily Injury (per accident – multiple people injured)

• $25,000 Property Damage

Remember you can select higher limits if you’d like more coverage.

UM/UIM is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.

Car insurance companies are required to offer this coverage as part of your policy. You can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required Uninsured/Underinsured Motorist coverage in Arkansas:

• $25,000 Bodily Injury (per person)

• $50,000 Bodily Injury (per accident – multiple people injured)

Again, you can always opt for higher limits if you want more coverage.

Arkansas also requires drivers to have Personal Injury Protection (PIP). This is sometimes called “no-fault” car insurance. PIP coverage will help pay for your medical bills after a car accident, regardless of who is at fault.

Minimum required PIP:

• $5,000

Remember you can choose to have more coverage than the state minimum.

An Arkansas Motor Vehicle Accident Report (SR-1) must be filed if you’re involved in a car accident resulting in: 

• More than $1,000 in property damage to any person

• Injury to any person

• Death to any person

Additionally, you must submit at an SR-21. This form is attached to the SR-1 and must be completed by your car insurance company proving that you had the minimum required car insurance at the time of the accident.

SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the Arkansas Department of Finance and Administration. You can easily request an SR-22 in the Root app.