Insurance Requirements for Driver’s License in Arkansas

1. What auto insurance requirements must drivers meet in Arkansas?


In Arkansas, drivers are required to have liability insurance coverage with minimum limits of at least $25,000 for bodily injury or death of one person in an accident; $50,000 for bodily injury or death of two or more people in an accident; and $25,000 for property damage in an accident. Drivers must also carry uninsured/underinsured motorist coverage with minimum limits of at least $25,000 for bodily injury or death of one person in an accident; $50,000 for bodily injury or death of two or more people in an accident; and $25,000 for property damage in an accident.

2. What proof of insurance is required to obtain a driver’s license in Arkansas?


In order to obtain a driver’s license in Arkansas, proof of insurance is not required. However, proof of insurance is required when registering a vehicle in the state.

3. Are there any exceptions to the minimum auto insurance limits for drivers in Arkansas?


Yes, there are certain exceptions to the minimum auto insurance limits for drivers in Arkansas. Drivers who are affiliated with certain kinds of organizations and meet certain criteria may be exempt from the minimum requirements. These organizations include churches, state-chartered or federally-chartered credit unions, and rural transportation cooperatives. Additionally, some vehicle types, such as antique cars or vehicles used only for farming or ranching, may be exempt from the minimum requirements.

4. What is the minimum bodily injury liability limit for drivers in Arkansas?


The minimum bodily injury liability limit for drivers in Arkansas is $25,000 per person and $50,000 per accident.

5. Is personal injury protection (PIP) required for drivers in Arkansas?


No, personal injury protection (PIP) is not required for drivers in Arkansas.

6. How long do drivers in Arkansas have to provide proof of automobile insurance after registering their vehicle?


According to the Arkansas Insurance Department, drivers must maintain proof of automobile insurance at all times. They must provide proof of insurance when registering their vehicle and upon request by any law enforcement officer.

7. Does Arkansas require uninsured/underinsured motorist coverage?


Yes, Arkansas requires uninsured/underinsured motorist coverage. This type of coverage is required to protect drivers from losses caused by drivers who do not have the required amount of liability insurance.

8. What are the penalties for driving without insurance in Arkansas?


The penalties for driving without insurance in Arkansas depend on the severity of the offense, but generally can include a fine of up to $500, up to 90 days in jail, a license suspension of up to one year, and an insurance filing fee of $20. Additionally, the court may require the uninsured driver to file an SR-22 Certificate of Financial Responsibility with the Arkansas Office of Motor Vehicles.

9. Is it legal to operate a motor vehicle without insurance in Arkansas?


No, it is illegal to operate a motor vehicle without insurance in Arkansas.

10. Does Arkansas offer low-cost auto insurance plans for drivers?


Yes, the Arkansas Insurance Department offers a Low Mileage Discount program, which provides reduced premiums for drivers who drive less than 7,500 miles a year. Additionally, the Arkansas Automobile Insurance Association offers a Low Cost Policy to drivers who meet certain income and driving safety criteria.

11. How does a driver reinstate their license after being convicted of driving without insurance in Arkansas?


In order to reinstate a driver’s license that has been suspended due to driving without insurance in Arkansas, the driver must first pay a reinstatement fee. Additionally, they must provide proof of insurance and complete any other requirements outlined by the Department of Motor Vehicles before their license can be reinstated.

12. What forms of proof of auto insurance are accepted by the DMV in Arkansas?


The Arkansas Department of Motor Vehicles (DMV) accepts proof of insurance in the form of an insurance card, a copy of an insurance policy, a binder or a receipt from the insurance company. Proof of insurance must include the following: the name of the insured, the policy number, the name of the insurance company and the dates of coverage.

13. Are there any restrictions placed on auto insurers in Arkansas regarding the minimum amounts of coverage they must offer?


Yes. In Arkansas, auto insurers must offer minimum coverage amounts for bodily injury and property damage of $25,000 per person/$50,000 per accident and $25,000 for property damage. They must also offer uninsured motorist coverage with minimum limits of at least $25,000 per person/$50,000 per accident and underinsured motorist coverage with minimum limits of at least $25,000 per person/$50,000 per accident.

14. Does Arkansas require motor vehicle operators to carry liability coverage on their vehicles?


Yes, Arkansas does require motor vehicle operators to carry liability coverage on their vehicles.

15. How often must drivers in Arkansas update their proof of auto insurance with the DMV?


Arkansas law requires drivers to maintain proof of financial responsibility (auto insurance) at all times. Drivers must update their proof of auto insurance with the DMV whenever their policy changes or expires.

16. Does Arkansas require drivers to purchase uninsured motorist property damage coverage?


No. Arkansas does not require drivers to purchase uninsured motorist property damage coverage.

17. Are there any special discounts available for drivers who purchase auto insurance in Arkansas?


Yes, the state of Arkansas offers various discounts for drivers who purchase auto insurance. Discounts may be offered for students, veterans, multiple vehicles, multiple policies, and other factors. Contact your insurance provider for more information on what discounts may be available.

18. Is there a grace period for providing proof of auto insurance to the DMV in Arkansas?


Yes, there is a 30-day grace period for providing proof of auto insurance to the Arkansas Department of Motor Vehicles. Drivers must provide proof of insurance within 30 days of being asked to do so in order to avoid any penalties.

19. How much does the average auto insurance policy cost for drivers in Arkansas?


The average auto insurance policy cost for drivers in Arkansas is $1,235 a year.

20. What type of documentation do I need to provide when getting a driver’s license in Arkansas?


To obtain a driver’s license in Arkansas, you will need to provide proof of identity, residency, and Social Security number. Acceptable documents for these include a valid U.S. passport, original or certified birth certificate, valid permanent resident card, and a Social Security card. You will also need to provide proof of Arkansas residency with two documents, such as a utility bill, bank statement, or pay stub. Applicants must also pass a written knowledge test and vision screening.