By Danielle Deshong | Customer Service Representative at Learnandserve.org | Powered by A Plus Insurance
Liability Car Insurance Arkansas: What is Liability Car Insurance?
Liability insurance is mandatory in almost all states, its a requirement on an insured vehicle.
What is liability?
Liability insurance is an important, and usually required, coverage on your auto insurance policy. If you are deemed at fault in a car accident, and are the cause of bodily injury and property damage expenses, you are legally responsible to cover that cost.
When insuring a motor vehicle in Arkansas, you must be sure to adhere to the Arkansas car insurance laws. At the very least, your insurance policy must have the following liability limits included:
| Liability Limits | Personal Injury Protection* | Medical Payments | UM/UIM?* |
|---|---|---|---|
| 25/50/25 | Not Required, as Arkansas is an “at fault state” | Not Required, must sign a rejection form. | Not Required, must sign a rejection form. |
While medical payments and uninsured motorist coverage is not technically required, the insurance agent MUST at least offer it to you.
While you only need to carry the Arkansas state minimum, you can still add on additional coverages to your liability portion of the policy such as:
- medical payments,
- uninsured motorist coverage
- underinsured motorist coverage
- comprehensive and collision
Is Arkansas a No Fault state?
No. Arkansas is considered an an “at fault” state. If your state is considered “at fault,” that means that if an accident occurs, liability or fault must be determined. Whoever is determined at fault will then be responsible for covering the costs of any injury or property damages.
Is Uninsured or Underinsured Motorist coverage (also known as UM/UIM) required in Arkansas?
Uninsured motorist (UM) coverage will cover the cost of bodily injury or property damage caused by another driver who does not have insurance, or if you are the victim of a hit and run. Underinsured (UIM) will help offset the costs if someone else is at fault and their liability insurance isn’t sufficient. This coverage is not technically required in Arkansas, but many states do require it, as it is highly recommended.
Liability Car Insurance Arkansas: Is it the only Way to Get Cheap Car Insurance?
Is having liability only coverage the only way to get cheap car insurance in Arkansas?
No, there are other ways to decrease your yearly or monthly car insurance premiums.
However, having liability insurance only on the vehicle can make payments cheaper, especially when you compare some average monthly rates to average full coverage rates.
| Insurance Company | Avg. Monthly Liability Only | Avg. Monthly Full Coverage |
|---|---|---|
| Dairyland | $81 | $134 |
| Geico | $93 | $168 |
| Progressive | $99 | $136 |
| Assurance America | $101 | $160 |
| General | $104 | $182 |
| Acceptance RTR | $105 | $164 |
| National General | $106 | $151 |
| Mendota | $108 | $163 |
| Bristol West | $109 | $132 |
| American Family | $112 | $186 |
| Safeco | $116 | $208 |
| 21 Century | $139 | $172 |
| USAA | $139 | $178 |
| State Auto | $140 | $180 |
| Gainsco | $146 | $167 |
| Liberty | $149 | $178 |
| Travelers | $149 | $209 |
| Famers | $151 | $146 |
| State Farm | $151 | $203 |
| Nationwide | $153 | $163 |
| AA State | $164 | $174 |
Who Has The Lowest Liability Price in Arkansas? (By City)
| City | Company |
| Stuttgart | Geico |
| Hope | Progressive |
| De Queen | Progressive |
| Monticello | Bristol West |
| White Hall | Progressive |
| Crossett | Geico |
| Rogers | Geico |
| Dardanelle | Progressive |
| Magnolia | Geico |
| Lowell | Progressive |
| Sherwood | Progressive |
| Cherokee Village | Progressive |
| Maumelle | Progressive |
| Jonesboro | The General |
| Batesville | Liberty Mutual |
| West Memphis | Progressive |
| Haskell | Dairyland* |
| Hot Springs | Progressive |
| Hot Springs Village | The General |
| Sheridan | Progressive |
| Trumann | Farmers |
| Piney | The General |
| Wynne | Liberty Mutual |
| Paragould | The General |
| Helena-West Helena | Progressive |
| North Little Rock | Geico |
| Blytheville | Farmers |
| Jacksonville | The General |
| Prairie Grove | Geico |
| Harrison | Bristol West |
| Alma | The General |
| Van Buren | Progressive |
| Newport | Farmers |
| Vilonia | Progressive |
| Benton | The General |
| Greenwood | Progressive |
| Searcy | Progressive |
| Russellville | Geico |
| El Dorado | Liberty Mutual |
| Cabot | Liberty Mutual |
| Mena | Progressive |
| Osceola | Dairyland* |
| Walnut Ridge | The General |
| Bentonville | Progressive |
| Heber Springs and Farmington | Bristol West |
| Mountain Home | National General |
| Bryant | Farmers |
| Gibson | The General |
| Barling | Progressive |
| Warren | National General |
| Conway | Progressive |
| Arkadelphia | Progressive |
| Beebe | Geico |
| Morrilton | Progressive |
| Springdale | Geico |
Cost For Liability Only In Arkansas (By City)
| City | Price |
| Forrest City | $87.00 |
| Warren | $110.00 |
| Piney | $91.00 |
| Paragould | $90.00 |
| Fort Smith | $104.00 |
| Texarkana | $105.00 |
| Cherokee Village | $90.00 |
| Bryant | $94.00 |
| Jacksonville | $94.00 |
| Newport | $105.00 |
| Batesville | $109.00 |
| Mountain Home | $98.00 |
| Little Rock | $98.00 |
| Prairie Grove | $93.00 |
| Alma | $100.00 |
| Bentonville | $96.00 |
| Blytheville | $95.00 |
| Hot Springs Village | $91.00 |
| Pea Ridge | $108.00 |
| Sheridan | $110.00 |
| Siloam Springs | $99.00 |
| Greenwood | $108.00 |
| Barling | $99.00 |
| Russellville | $105.00 |
| Beebe | $90.00 |
| Cabot | $103.00 |
| Bella Vista | $100.00 |
| Monticello | $99.00 |
| Centerton | $106.00 |
| Helena-West Helena | $100.00 |
| Malvern | $92.00 |
| Crossett | $86.00 |
| Maumelle | $96.00 |
| Hope | $109.00 |
| Morrilton | $99.00 |
| East End | $94.00 |
| Arkadelphia | $96.00 |
| Jonesboro | $91.00 |
| Benton | $98.00 |
| De Queen | $86.00 |
| Marion | $109.00 |
| Berryville | $103.00 |
| Gibson | $110.00 |
| Mena | $98.00 |
| Rogers | $105.00 |
| Van Buren | $102.00 |
| Searcy | $97.00 |
| Hot Springs | $93.00 |
| Springdale | $108.00 |
| Haskell | $98.00 |
| Magnolia | $87.00 |
| Lowell | $99.00 |
| West Memphis | $99.00 |
| Pine Bluff | $98.00 |
| Osceola | $89.00 |
| Sherwood | $87.00 |
| Conway | $103.00 |
| Fayetteville | $108.00 |
| Harrison | $101.00 |
| Vilonia | $87.00 |
| Clarksville | $88.00 |
| Stuttgart | $91.00 |
How can you choose between liability Car insurance Arkansas Vs Full coverage insurance in Arkansas?
This Calculator will help you decide!
“Should I Get Full Coverage” Calculator
Liability Car Insurance Arkansas: What Kind Of Discounts can you get?
Each carrier has their own providable discounts to help lower your payments. When talking to an agent, make sure you ask them about potential discounts you might qualify for!
| Potential Auto Insurance Discounts |
|---|
| Advanced Quote |
| Paid in Full |
| Auto Pay |
| Multi-Policy |
| Multi Vehicle |
| Married |
| No Accidents or Violations |
| Continuous Insurance |
| Homeowners |
| Military |
| Education Discount |
| Paperless Discount |
Should I Upgrade To Full Coverage? Cost By City In Arkansas
| City | Price |
| Greenwood | $161 |
| Magnolia | $157 |
| Springdale | $168 |
| Mountain Home | $171 |
| Gibson | $169 |
| Texarkana | $170 |
| Malvern | $167 |
| El Dorado | $167 |
| Paragould | $148 |
| Crossett | $151 |
| Blytheville | $182 |
| Marion | $172 |
| Barling | $177 |
| Van Buren | $161 |
| Arkadelphia | $167 |
| Warren | $181 |
| Russellville | $169 |
| Little Rock | $157 |
| Conway | $178 |
| Wynne | $166 |
| Dardanelle | $159 |
| Piney | $149 |
| Trumann | $148 |
| Helena-West Helena | $181 |
| Maumelle | $165 |
| Lowell | $176 |
| Stuttgart | $177 |
| Cherokee Village | $178 |
| Hope | $182 |
| Pea Ridge | $161 |
| Hot Springs Village | $181 |
| Fort Smith | $157 |
| Vilonia | $168 |
| Jacksonville | $154 |
| Bella Vista | $166 |
| Monticello | $178 |
| Sheridan | $180 |
| Prairie Grove | $155 |
| Camden | $175 |
| De Queen | $170 |
| Jonesboro | $150 |
| Bentonville | $158 |
| Mena | $155 |
| Rockwell | $174 |
| Siloam Springs | $152 |
| Beebe | $169 |
| Benton | $174 |
| Sherwood | $164 |
| Osceola | $156 |
| North Little Rock | $148 |
| Searcy | $178 |
| Fayetteville | $155 |
| East End | $175 |
| Newport | $153 |
| Harrison | $182 |
| Greenbrier | $150 |
| Alma | $167 |
| Forrest City | $163 |
| Morrilton | $151 |
| White Hall | $175 |
| Walnut Ridge | $173 |
| Pocahontas | $154 |
| Ward | $178 |
Liability Car Insurance Arkansas: Can I Upgrade My Policy Later?
If you are wanting to upgrade your policy, just give your agent a call! Most insurance companies will let you add on extra coverages like comprehensive and collision, at any point during your policy period.
Do keep in mind however, that there are a few companies who won’t let you upgrade until the policy period is over. Also remember that upgrading your policy or adding more coverages WILL likely increase your premium.
Frequently Asked Questions About Liability Car Insurance in Arkansas
Q1: What is liability car insurance, and what does it cover in Arkansas?
A1: Liability car insurance in Arkansas covers the cost of injuries and property damage you may cause to others in an accident for which you are at fault. It typically includes two main components: bodily injury liability and property damage liability coverage.
Q2: What are the minimum liability insurance requirements in Arkansas?
A2: In Arkansas, the minimum liability insurance requirements are often referred to as “25/50/25” coverage. This means you must have at least $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability.
Q3: Can I purchase additional coverage beyond the minimum liability insurance in Arkansas?
A3: Yes, you can purchase additional coverage options beyond the state’s minimum liability requirements in Arkansas. Many drivers choose to add coverages like uninsured/underinsured motorist coverage, comprehensive coverage, and collision coverage to provide greater protection in various situations.
Home and Auto Insurance Options for College Students
- Stay on Your Parents’ Auto Insurance Policy: Many insurers allow college students to remain on their parents’ auto insurance policy, often at a lower rate than purchasing a separate policy. Text Us to explore this cost-effective option.
- Renter’s Insurance for Dorm or Off-Campus Housing: Students living in dorms or off-campus housing can benefit from renters insurance, which covers personal belongings against theft, fire, and other damages. Text Us for a quick renters insurance quote tailored for students.
- Student Discounts for Good Grades: Many insurance companies offer student discounts for maintaining a high GPA, rewarding academic achievement with lower premiums. Text Us to find out how much you can save with a good student discount.
- Low-Mileage Auto Insurance for Students: If you don’t drive often while at school, you may qualify for a low-mileage discount, reducing your car insurance premium. Text Us to see if you qualify for this cost-saving option.
- Non-Owner Car Insurance for Students Without a Vehicle: If you don’t own a car but still need occasional driving coverage, non-owner car insurance is a flexible and affordable option. Text Us to learn more about non-owner car insurance.
- Bundle Renters and Auto Insurance for Maximum Savings: Bundling renters and auto insurance can lead to multi-policy discounts, helping students save money on essential coverage. Text Us to discuss bundling options for students.
- Call Us for a Custom Insurance Plan for College Students: Need a policy that fits your unique student lifestyle? Call us at 1.888.445.2793 for a custom insurance plan designed for college students.
OTHER HELPFUL LINKS FOR INSURANCE IN ARKANSAS
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Last Updated on by Camron Moss