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Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times.
Written by Benjamin CarrFormer State Farm Insurance Agent
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need .
Reviewed by Heidi MertlichLicensed Insurance Agent
UPDATED: Feb 29, 2024
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 29, 2024
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Car insurance is necessary for some different reasons. It protects you from the liability you could pay if someone is injured in an accident that is due to your negligence.
It helps you to have some security regarding your legal and financial situation and protects you from potential lawsuits.
Remember that auto insurance law is dependent upon the laws and regulations that are mandated by the state in which you live.
In the state of Arkansas, all drivers are required to carry current vehicle insurance. There are no exceptions to this rule and Arkansans must also take a record of their car insurance proof in the car with them at all times.
Read More: Minimum Auto Insurance RequirementsCompare car insurance quotes today by entering your ZIP code into our free comparison tool above.
It’s important to understand how to know the requirements in your state or residence. Knowing where to go for information is one of the most important things to do. You can bookmark this site on car insurance regulations to find out more about the requirements in your state.
There are many different types of coverage for auto insurance. But the ones listed below are the main types of insurance that you should be concerned with.
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If you need to know the basic insurance requirements in the state of Arkansas, the following minimums are required:
There are no special laws or exemptions for auto insurance in Arkansas except when there is an unusual circumstance that requires unlicensed and uninsured drivers to drive in an emergency situation only.
For example, if you live in Arkansas and you had your license suspended and cannot get insurance due to a DUI or other circumstance, a local judge may grant you a temporary right to drive a particular distance for emergencies in a life-threatening situation.
Underaged drivers may qualify for similar exceptions for driving to school or work only when no other viable means of transportation are available. Standard insurance laws are waived in these cases.
There is no financial responsibility legislation in the state of Arkansas. These types of laws are reserved for states such as New Hampshire where they do not require drivers to carry insurance.
Instead, they need proof of financial responsibility to show they can afford to pay for an accident if one occurred without the benefit of insurance coverage.
In the state of Arkansas, you are not required to register your undriven vehicles or obtain insurance, so long as you do not drive them.
If you are stopped without insurance even driving a short distance, the penalties can be severe.
The sentence in Arkansas for driving without proof of insurance is between $50-$250 on the first offense. This increases to $200-$500 on the second offense plus suspension of car registration. On the third offense, it is $500-$1000 and possible jail time of up to one year.
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The state of Arkansas has reasonable requirements for drivers regarding car insurance. They require a large enough liability minimum that they should be covered for any incident involving the liability of an injured party if they cause the accident.
However, drivers may want to consider increasing their coverage amounts in case the standard amount is not enough.
You never know what type of accident or situation you will find yourself in. Industry-recommended coverage is a minimum of $100,000 bodily injury liability per person and $300,000 per accident.
You can only buy as much insurance as you can afford but ask yourself if you could pay the difference between the state-mandated amount and these costs if you were in a serious accident.
If you are looking for the best auto insurance, do some comparison shopping and consider the risk factors you have when you drive. No one knows what life holds in store, but it’s better to be safe than sorry.
Use our site to shop and compare various policies so that you know you are getting the best deal. Enter your ZIP code below to begin.
Arkansas Minimum Auto Insurance refers to the minimum level of insurance coverage required by law for all registered vehicles in Arkansas. It is a legal requirement for vehicle owners to carry a certain amount of auto insurance to protect themselves and others in the event of an accident.
The minimum insurance requirements in Arkansas are as follows:
Bodily injury liability coverage helps pay for medical expenses, lost wages, and other damages if you are responsible for injuring someone in an auto accident. The coverage amount you carry should be enough to protect your assets in case of a lawsuit.
Property damage liability coverage pays for damages to someone else’s property, such as their vehicle, fence, or other structures, if you are at fault in an accident. This coverage helps protect your assets if you are sued for damages.
The minimum insurance requirements are the legally required minimums, but they may not be sufficient to cover all potential expenses in the event of a serious accident. It is recommended to consider higher coverage limits and additional types of coverage, such as collision and comprehensive, to provide more comprehensive protection.
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