Arkansas Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. Minimum coverages for the state of Arkansas are $25,000 for injury, $50,000 for all injuries, and $25,000 in property damage. Commonly referred to as 25/50/25 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  • Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner’s permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After three years time, without further incident, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates.

Below is a list of violations and their corresponding point values:

  • General Moving Violations – 3 points
  • Speeding up to 10mph over – 3 points
  • Failure to obey traffic signal – 3 points
  • Reckless driving – 8 points
In the state of Arkansas will have your license suspended if you gain a certain amount of points within a specified time frame for the following durations:

14-17 points in 12 months = 90 days suspension
18-23 points in 24 months = 180 days suspension
24 or more in 36 months = 1 year suspension

Arkansas laws dictate other possible means of having your license suspended such as failure to pay child support, drug or alcohol addiction, or failure to pay fines.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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