Arkansas Car Insurance Laws
Personal injury protection: While this is not a no-fault state, Arkansas auto insurance companies do offer personal injury protection (PIP). PIP here comes in three parts, which are:
- Medical payments
- Lost wages
- Death benefits
You can decide to purchase any one part or all three together; however, if you determine that you don’t want any PIP coverage you must reject it in writing. If you don’t have health insurance, you might want to consider this option.
Discounts for seniors: Arkansas law helps senior drivers save by requiring car insurance companies to give a discount to drivers over 55 who have completed an accident prevention course approved by the state’s Office of Motor Vehicles.
Reasons for cancellation: After a policy has been in effect for over 60 days in Arkansas, an insurer can cancel only due to:
- Nonpayment of premium
- Fraud/misrepresentation in applying for the policy
- Homicide arising out of the use of a motor vehicle
- Three separate convictions of speeding and/or reckless driving within the policy period or three months prior to the beginning of the policy period
- Conviction of driving while intoxicated
Notice periods: An Arkansas car insurance carrier must give you a 20-day written notice if it intends to cancel, except for cases of nonpayment, which require only a 10-day written notice. If your policy is not renewed, your auto insurer must give you a 30-day written notice.
Uninsured motorist penalties for Arkansas: You may be fined $500 and your registration may be suspended.
Driving without a license penalty in Arkansas: The penalty for driving without a license in Arkansas can be up to $500 or 90 days in jail.
Electronic proof of insurance: Arkansas is one of 31 states that allow drivers to show proof of insurance during a traffic stop on a smartphone.
Largest car insurance companies for Arkansas by market share
||Company / Group
||Direct Premiums Written ($)
||Market Share (%)
||State Farm Group
||Southern Farm Bureau Cas Group
||Shelter Insurance Companies
||Allstate Insurance Group
||Progressive Insurance Group
||Farmers Insurance Group
||Berkshire Hathaway Insurance
||Liberty Mutual Insurance Companies
|Source: A.M. Best market share rankings are based on direct premiums written in 2013.