Arkansas’ minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Arkansas:

Is it mandatory to have car insurance in Arkansas? 

Yes

What are the minimum limits for Arkansas? 

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident 

—or—

25/50/25

Dairyland® coverage in Arkansas

At Dairyland, we’re proud to be able to help drivers in Arkansas meet their insurance needs. Here are some of the parameters of our insurance coverage in Arkansas:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Arkansas?

$100,000 bo dily injury liability per person
$300,000 bodily injury liability per accident
$100,000 property damage liability per accident

—or—

100/300/100

What coverages are required to be offered in Arkansas? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. The following must be offered, but they can be rejected:

• Uninsured motorist (UM) bodily injury
• Underinsured motorist (UIM) bodily injury
• Uninsured Motorist Property Damage
• Personal injury protection: Medical and hospital benefits
• Personal injury protection: Income disability benefits
• Personal injury protection: Accidental death benefits

What are all the coverages Dairyland offers in Arkansas?

• Bodily injury liability
• Property damage liability
• Uninsured Motorist Bodily Injury
• Underinsured Motorist Bodily Injury
• Uninsured Motorist Property Damage
• Medical Payments
• Comprehensive
• Collision
• Personal injury protection: Medical and hospital benefits
• Personal injury protection: Income disability benefits
• Personal injury protection: Accidental death benefits
• Lienholder Deductible
• Special Equipment
• Rental Reimbursement
• Roadside assistance

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Arkansas?  

20 years

How far back does Arkansas go to look at violation history?

3 years

What additional policy types are offered in Arkansas? 

Named Non-Owner

Is an insurance score used in my rating in Arkansas? If so, is it mandatory? 

Yes, an insurance score is used for rating in Arkansas, but it’s not mandatory.

What policy terms does Dairyland offer in Arkansas?

6 months and 12 months

What is Dairyland’s minimum down payment option in Arkansas? 

 16.7% for 6-month terms, 8.33% for 12-month terms

Are SR22s used in Arkansas?  If so, is there a fee assessed by Dairyland? 

SR-22s are used, and filed for free.

What discounts are available from Dairyland in Arkansas?

• Multi-car
• Homeowners (home, townhouse, condo, or mobile home)
• Prior insurance (transfer)
• Paid in full
• Advanced quote
• Good student
• Defensive driver course
• Quarterly