Arkansas Car Insurance

Direct is proud to offer auto insurance in Arkansas. At Direct, we cover those who may not be accepted by other Arkansas auto insurance companies.

We offer free quotes for affordable auto insurance, no matter your past credit score or driving history. At Direct you’ll get flexible auto insurance coverage plans to fit your needs and easy access to agents near you, online, or over the phone.

Below is some information about Arkansas Auto Insurance:

Finding Cheap Car Insurance in Arkansas

Arkansas car insurance rates can vary depending on your driving record, the type of vehicle you drive and the amount of coverage you choose. The first step to finding cheap auto insurance quotes in Arkansas is to decide how much coverage you need.

Arkansas Minimum Car Insurance Requirements

Arkansas law requires that you have liability insurance on all your registered vehicles and that you carry proof of insurance in all vehicles. The minimum required insurance is:

  • Bodily Injury Liability coverage of at least $25,000 to cover injury or death to any one person that results from an auto accident, and $50,000 to cover injuries to or death of more than one person resulting from a single auto accident.

  • Property Damage Liability coverage of at least $25,000 to cover damage to the property of others caused by an auto accident.

Coverage Definitions

Bodily Injury Liability (BIL): pays for medical and legal protection should you or another insured on your policy cause bodily injury to another person while operating your vehicle. The “limit” is the maximum amount your insurance company will pay for bodily injury damages.

Property Damage Liability (PDL): pays for damage to another's property caused while operating your vehicle. This covers damage to property such as vehicles, poles, fences, etc. The “limit” is the maximum amount your insurance company will pay for property damage.

What if I don’t have the minimum coverage?

You will not be able to register your vehicle. Arkansas drivers caught without minimum coverage are subject to punishment, such as a fine and suspended license. Direct offers cheap auto insurance policies with instant proof of insurance to make auto insurance coverage quick and hassle-free.

Are there additional coverage options?

Direct not only provides the minimum required auto coverage for Arkansas drivers, but also offers additional coverage such as comprehensive, collision, personal injury protection (PIP) and uninsured motorist coverage (UM). We also offer motorcycle insurance, roadside assistance, emergency protection plans and term life insurance.

Check out Auto Insurance Coverage to discover what else Direct offers.

More Information

If you still have questions, would like to learn about other Arkansas auto insurance options such as UM or PIP coverage, or if you would like to get an affordable auto insurance quote, contact Direct Auto Insurance: online, over the phone at 1-877-GO DIRECT (1-877-463-4732), or visit one of our office locations.

Other Resources

Arkansas – Direct Auto Insurance Locations