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From the Ozarks to the Ouachita Mountains to the lowlands along the Mississippi River and the Arkansas Delta. One thing is certain, auto insurance is required and The General® has you covered. The General® offers low cost auto insurance even if you have violations on your driving record, have never been insured before, let your policy lapse, or had your license suspended or revoked.

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Below is some information that should help answer some of the more common questions we receive from our Arkansas customers.

Arkansas Mandatory Coverages

The minimum liability you are required to carry by law is $25,000 per person for bodily injury, $50,000 per accident and $25,000 to cover other’s property damage. When applying for liability coverage in Arkansas, you will have the option to purchase coverage for uninsured motorist bodily injury and property damage, underinsured motorist coverage for bodily injury and personal injury protection coverage. UM, UIM and PIP can be rejected in writing.

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident

Frequently Asked Questions Regarding Arkansas Auto Insurance

What is Personal Injury Protection (PIP) and who does it cover?

PIP is insurance coverage for medical and other expenses, such as wage loss and funeral expenses, which result from an auto accident, no matter who is at fault. The law does not require you to have PIP coverage and can be rejected if put into writing.

PIP covers the person who is named on the policy, household residents related by blood, marriage or adoption, and step- or foster children. It also covers non-family passengers and pedestrians involved in the accident.

What is SR22 Insurance?

SR22 is a document often required by a state’s Department of Motor Vehicles (DMV) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.

SR22s are typically needed for a driver to reinstate their driving privileges after an offense such as a DUI conviction or uninsured auto accident. Drivers who do not own a vehicle but still wish to reinstate their driving privileges may need to provide a non-owner SR22 policy.

What are the penalties for driving without insurance in Arkansas?

If you are caught driving without insurance the first violation carries a fine of $50 to $250. A second violation carries a fine of $250 to $500. A third or subsequent violation carries a fine of $500 to $1,000 or a sentence of one year in jail or possibly both.

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Arkansas Department of Insurance
Arkansas State Highway and Transportation Department
Arkansas State Police
The Official Website of the State of Arkansas