Buy Cheap Arkansas Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$25,000 limit per person / $50,000 limit per accident
Collision
$25,000 limit
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Arkansas Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
Drivers are allowed to hold a cell phone while driving Arkansas, except when they are in a school zone or in a highway construction zone.
Drivers are allowed to hold a cell phone while driving Arkansas, except when they are in a school zone or in a highway construction zone.
All Cell Phone Use Ban for Novice Drivers:
Drivers under the age of 18 cannot use a cell phone at all while driving.
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
In Arkansas, text messaging is banned for all drivers.
In Arkansas, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Arkansas Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
.15 or above
There's an increased penalty for driving with a BAC 0.15 or above.
1st offense Suspension:
6 months
Administrative license suspension on the 1st offense: In Arkansas, law enforcers can confiscate a first-time offender's driver's license for 6 months if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted.
Ignition Interlocks:
Mandatory for all offenders
Ignition Interlocks: These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Arkansas has made ignition interlocks mandatory for all convicted drunk drivers, even first-time offenders.
Repeat Offenders:
Yes
Minumum penalities for repeat offenders include suspension of driving privileges for no less than one year, impoundment or immobilization of any and all of the offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and a sentence of at least five days of imprisonment or 30 days of community service for a second-time offender. Third-time and further offenders can see at least ten days of imprisonment or 60 days of community service.
Open Container Law:
No
None in Arkansas.
Graduated Drivers License
Buy Cheap Arkansas Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 14 years of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. Arkansas does not require a set number of supervised driving hours.
Intermediate Stage:
Age: 16
Night Driving Restriction: 11pm-4am
Passenger Restriction: No more than 1 passenger
(Some limits are applied to unsupervised drivers in high-risk situations): 16-year-old drivers who passed the driver's test are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 4am and they cannot have more than 1 passenger in their vehicle.
Full Privilege Age:
Age: 18
(Full driver's license): At the age of 18, Arkansas drivers can get a standard driver's license without restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
55
MPH
Urban Interstates:
SPEED LIMIT
60
MPH
SPEED LIMIT
65
MPH
Other Limited Access Roads:
SPEED LIMIT
55
MPH
SPEED LIMIT
60 MPH
Page Source: ghsa.org
Buy Cheap Arkansas Auto Insurance in 2024
Department of Insurance
Website: www.insurance.arkansas.gov/
Address: 1200 West 3rd Street, Little Rock, Arkansas 72201-1904
Phone: 501-371-2600 or 800-282-9134
Buy Cheap Arkansas Auto Insurance in 2024
DMV Information
Website: www.dfa.arkansas.gov/Pages/default.aspx
Phone: 501-683-2255