Car Insurance in Arkansas
Car Insurance Liability Requirements in Arkansas
Minimum Liability Limits in AR: 25/50/25 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
25 Required coverage up to $25,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Arkansas
Auto Insurance Coverage Requirements in AR [ 4]
Bodily injury liability coverage Property damage liability coverage Personal injury protection coverage Car Insurance Verification Laws in Arkansas
Insurer Verification of Auto Insurance in AR [ 4]
Insurer must verify financial responsibility or insurance after an accident or arrest. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Arkansas Car Insurance Facts, Estimates & Related Laws
Arkansas Car Insurance Facts
Average Car Insurance Rates in AR
Arkansas had the 35th highest auto insurance rates in the nation in 2010.
[ 2] Rates in AR ranked 35th in the nation in 2009.
[ 2] In 2008, AR had the 38th highest rates in the country.
Number of Auto Insurance Policies in AR
Arkansas ranked 32nd in the nation in auto insurance policies in 2011 with a total of 2,130,051.
Uninsured Motorist Rate in AR
The uninsured motorist rate in AR ranked 12th in the nation in 2009.
Arkansas Distracted Driving Laws
Hand-held phone ban? Yes hand-held phone ban in place for drivers 18 or older but younger than 21 and also in school and highway work zones. [ 7]
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18. [ 7]
Bus driver cell phone ban? Yes Ban applies to school bus drivers. [ 7]
Enforcement of laws:
Primary enforcement in effect for texting by all drivers and cellphone use by school bus drivers. Secondary enforcement in effect for cellphone use by young drivers, drivers in school and work zones.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Arkansas Automotive Laws
Safety Belt Laws in AR
Safety belt laws have been in place since 1991 and apply to drivers/passengers 15+ years in front seat.
[ 7] Child restraint law in place for 5 years and younger and less than 60 pounds.
Motorcycle Helmet Laws in AR
Motorcycle helmets required for 20 and younger.
Driver's License Renewal Cycle in AR
Renewal cycle: 4 years
Arkansas Auto & Driver Facts
Arkansas Automotive Facts
Speed Limits in AR
Rural interstates: 70 mph (Trucks: 65 mph)
[ 7] Urban interstates: 55 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in AR
Arkansas cities collectively ranked 30th in the nation in total motor fuel consumption in 2011.
Arkansas Licensed Drivers
Licensed Drivers in AR [ 10]
Total Drivers: 1,956,091
AR has the 32nd most drivers in the U.S.
Minimum Driving Age in AR [ 5]
Arkansas has a minimum driving age of 14 years.
Arkansas Auto Registrations
Auto Registrations in AR [ 8]
Registered Cars: 1,021,817
Registered Trucks: 1,346,842
Registered Motorcycles: 76,301
Total Registrations: 2,448,310
Rank: Arkansas ranked 31st in the United States in total auto registrations in 2011.
Additional information about Arkansas
Arkansas has a population of approximately 2,915,918, which ranks 32nd in the U.S. among all states.
More about Arkansas auto insurance
For more information about auto insurance in AR, or for additional resources regarding
Arkansas car insurance, visit the Arkansas Department of Insurance.
Did you know?
Under secondary laws, a police officer must have some other reason to stop a vehicle before citing a driver for that offense.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration