Navigating the laws and requirements for car insurance in Arkansas can be a daunting task. You must comply with local regulations and find a policy you can afford. David Pope Insurance Services, LLC helps residents and drivers in Arkansas navigate this complicated process with ease. As an experienced Arkansas insurance broker, we know everything about the laws in your state and can find you a compliant, affordable and personalized auto insurance plan by the end of the day.
In this article, you’ll learn more about the legal requirements for auto insurance in Arkansas and how David Pope Insurance can help you find the best coverage.
Protect yourself and your loved ones on the road with comprehensive and affordable auto insurance from David Pope Insurance. For Arkansas residents, we offer the following auto insurance policies:
We have options for all vehicle types, including motorcycles, trucks, off-road vehicles, snowmobiles, boats and RVs. We can insure your teen driver, too.
Arkansas is considered an at-fault state for auto insurance. This means that the person responsible for a car accident has to pay for any costs resulting from the accident. Because of this, all drivers in Arkansas must have liability insurance by law, and there are specific minimum coverage limits.
Arkansas is also listed as an add-on state for uninsured/underinsured motorist coverage and PIP. This means that Arkansas insurance companies are mandated to offer this coverage to you on top of liability coverage. However, it is up to you if you want this extra protection, and you can decline it.
Learn more about each type of insurance below and their minimum limits.
All drivers in Arkansas are legally required to have liability coverage. The liability insurance must include bodily injury coverage for the cost of medical expenses and lost wages and property damage cover for any vehicle or property repairs.
The minimum liability insurance requirements in Arkansas are:
These are just the minimum requirements — for full protection, your liability insurance should be at or above your net worth.
When you’re in an accident caused by someone else and are not at fault, the other person’s insurance will pay for your damages. Unfortunately, there are some cases when people drive with either no liability cover or not enough cover to pay for damages after an accident. To protect yourself from this, you’ll need uninsured and underinsured motorist coverage.
Arkansas only requires that insurance companies offer you this, and there is no minimum requirement.
If you’re in an accident and sustain injuries, you’ll need PIP to cover your medical expenses and other injury-related costs. PIP can also cover your passengers, even if they have no insurance. If you have people who depend on you for care, PIP is a necessary addition to your insurance so you can continue to provide support after an accident.
In Arkansas, you don’t need PIP by law. However, insurance companies must offer it to you — with a minimum coverage of $5,000 — along with your liability coverage.
We’re a family-run insurance business that truly cares for our clients. We want you to have the best insurance policy for your unique requirements at an affordable price. We’ve been helping the residents of Arkansas for years, and we’d love the opportunity to work with you, too.
When you choose us for your car insurance policy, you’ll receive the following benefits:
Whether you need insurance for a car, truck, motorcycle, RV or boat, David Pope Insurance can help. It doesn’t matter if you drive often, are retired, have a teen driver or have a not-so-spotless driving record — we’ll do whatever it takes to find the right plan for you. We’ll get the cheapest rates possible and find great bundle deals if you need to insure more than one vehicle.
We have 24/7 support every day of the year, so if you need to make a claim or get emergency assistance, we’ll be there for you. Reach out to us at 636-583-0800 or through our online quote form to request a free car insurance quote in Arkansas today. View our auto insurance guide for everything you need to know about auto insurance.
Rick BaileyVery helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.
Robbie BaileyDavid Pope and his son are wonderful people 10 outta 10.
George HodakNever had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.
Philip GerberYour insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.
Jim ArnoVery helpful with giving me options for insurance. Helped with transition from my past insurance company.
Jonathan MitchellMy home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.
Kristy HulseyCustomer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!
Travis OwensThe staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.
Yvonne HeinzThe customer service is fantastic and the price is a great value.
Union AmbulanceVery knowledgeable and gets us the best price on insurance.
Justin HulseyI could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!
Pauli AnschutzI am very happy with the service my family receives with David Pope Insurance. I highly recommend!
Brandon BealIt has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!
Jaron BondIt was easy and simple to setup my home and auto insurance. No complaints here at all.
Oakley CorbinGreat! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!
Alan EakerDavid was very easy to work with and get switched over to the new insurance wit great pricing!!
Andrew CapkovicThis guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.
Jacqueline WardWhen I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.
Ali KExcellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!
Gayle BDavid Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.
Mary FI have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.
Steve KThis agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!
Nicole BMy experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!