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Auto Insurance, Now in 34 states!

Liability Car Insurance Arkansas

All About Auto Insurance In The State Of Arkansas

Auto Insurance, Now in 34 states!

Liability Car Insurance Arkansas

All About Auto Insurance In The State Of Arkansas

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 LimitsPersonal Injury Protection*Medical PaymentsUM/UIM?*
25/50/25Not Required, as Arkansas is an “at fault state”Not Required, must sign a rejection form.Not Required, must sign a rejection form.
Arkansas Car Insurance Laws

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 CompanyAvg. Monthly Liability OnlyAvg. 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
These are not a guaranteed Numbers but it’s a rough estimate on what to expect.

Who Has The Lowest Liability Price in Arkansas? (By City)

CityCompany
StuttgartGeico
HopeProgressive
De QueenProgressive
MonticelloBristol West
White HallProgressive
CrossettGeico
RogersGeico
DardanelleProgressive
MagnoliaGeico
LowellProgressive
SherwoodProgressive
Cherokee VillageProgressive
MaumelleProgressive
JonesboroThe General
BatesvilleLiberty Mutual
West MemphisProgressive
HaskellDairyland*
Hot SpringsProgressive
Hot Springs VillageThe General
SheridanProgressive
TrumannFarmers
PineyThe General
WynneLiberty Mutual
ParagouldThe General
Helena-West HelenaProgressive
North Little RockGeico
BlythevilleFarmers
JacksonvilleThe General
Prairie GroveGeico
HarrisonBristol West
AlmaThe General
Van BurenProgressive
NewportFarmers
ViloniaProgressive
BentonThe General
GreenwoodProgressive
SearcyProgressive
RussellvilleGeico
El DoradoLiberty Mutual
CabotLiberty Mutual
MenaProgressive
OsceolaDairyland*
Walnut RidgeThe General
BentonvilleProgressive
Heber Springs and FarmingtonBristol West
Mountain HomeNational General
BryantFarmers
GibsonThe General
BarlingProgressive
WarrenNational General
ConwayProgressive
ArkadelphiaProgressive
BeebeGeico
MorriltonProgressive
SpringdaleGeico
Liability Car Insurance Arkansas

Cost For Liability Only In Arkansas (By City)

CityPrice
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
Liability Car Insurance Arkansas

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 CoverageCalculator


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
Liability Car insurance Arkansas: Discounts vary from state to state, and from insurance company to company

Should I Upgrade To Full Coverage? Cost By City In Arkansas

CityPrice
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.

OTHER HELPFUL LINKS FOR INSURANCE IN ARKANSAS

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Last Updated on by Marlon Moss

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