Arkansas
Auto Insurance Coverages
How do you choose the auto insurance that's right for you when there are so many companies offering auto insurance in Arkansas? Finding auto insurance that fits your lifestyle can be daunting, but you local Allstate agent will take the time to help you make the right choices as your auto insurance needs change. Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products available in Arkansas. If you have a teen driver in AR, you must consider Arkansas's Graduated Driver Licensing laws (see chart below).
Arkansas Auto Insurance Coverage Scale
Allstate can help you decide how much auto insurance coverage is right for you. Each state, including Arkansas, has different minimum required auto insurance coverage levels, as shown in the chart below. Use this chart to learn more about Arkansas's required coverage levels and the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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25,000/50,000
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25,000/50,000
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Property Damage Liability
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25,000
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25,000
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Uninsured Motorist Bodily Injury
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Not required
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25,000/50,000
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Medical Payments
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Not required
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5,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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100 deductible
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Arkansas Graduated Driver Licensing
Graduated Driver Licensing laws have been proven to save teen lives. Review the Arkansas GDL laws with your teen. Use this information to set rules for your teen driver and help protect them on the road.
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Insurance Institute for Highway Safety Rating
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Marginal
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Minimum Entry Age
(Optimal: 16)
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14
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has no provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has no provision
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has no provision
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Minimum Exit Age
(Optimal: 18)
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16
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Louisiana,
Mississippi,
Missouri,
Oklahoma,
Tennessee,
Texas
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Arkansas. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.