Arkansas

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State Coverage Requirements

Coverage Type

State Coverage Requirements

Bodily Injury Liability

$25,000 limit per person / $50,000 limit per accident

Property Damage Liability

$25,000 limit per person / $50,000 limit per accident

Collision

$25,000 limit

Comprehensive

Not required, but recommended

Medical Expenses

Not required, but recommended

Personal Injury Protection (PIP)

Not required

Uninsured Motorist

Not required, but recommended

Underinsured Motorist

Not required, but recommended

Property Protection (PPI)

Not required

Average rates vs National Average

National AVG.

Arkansas AVG.

source: www.iii.org

Cellphone/Texting

Explained

Hand-Held Cell Phone Ban:

Drivers are allowed to hold a cell phone while driving Arkansas, except when they are in a school zone or in a highway construction zone.

All Cell Phone Use Ban for Novice Drivers:

Drivers under the age of 18 cannot use a cell phone at all while driving.

Texting Ban:

In Arkansas, text messaging is banned for all drivers.

DUI Laws

Explained

The legal limit for a blood alcohol concentration (BAC):

The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.

Increased penalty for high BAC:

There's an increased penalty for driving with a BAC 0.15 or above.

1st offense Suspension:

Administrative license suspension on the 1st offense: In Arkansas, law enforcers can confiscate a first-time offender's driver's license for 6 months if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted.

Ignition Interlocks:

Ignition Interlocks: These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Arkansas has made ignition interlocks mandatory for all convicted drunk drivers, even first-time offenders.

Repeat Offenders:

Minumum penalities for repeat offenders include suspension of driving privileges for no less than one year, impoundment or immobilization of any and all of the offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and a sentence of at least five days of imprisonment or 30 days of community service for a second-time offender. Third-time and further offenders can see at least ten days of imprisonment or 60 days of community service.

Open Container Law:

None in Arkansas.

Graduated Drivers License

Explained

Learner Stage:

(Supervised driving, to be completed with a driving test): At 14 years of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. Arkansas does not require a set number of supervised driving hours.

Intermediate Stage:

Age: 16
Night Driving Restriction: 11pm-4am
Passenger Restriction: No more than 1 passenger

(Some limits are applied to unsupervised drivers in high-risk situations): 16-year-old drivers who passed the driver's test are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 4am and they cannot have more than 1 passenger in their vehicle.

Full Privilege Age:

Age: 18

(Full driver's license): At the age of 18, Arkansas drivers can get a standard driver's license without restrictions.

Speed Limit

Car

Truck

Rural Interstates:

SPEED LIMIT
70 MPH
SPEED LIMIT
55 MPH

Urban Interstates:

SPEED LIMIT
60 MPH
SPEED LIMIT
65 MPH

Other Limited Access Roads:

SPEED LIMIT
55 MPH
SPEED LIMIT
60 MPH

Page Source: ghsa.org

Arkansas
Department of Insurance

Website: www.insurance.arkansas.gov/
Address:  1200 West 3rd Street, Little Rock, Arkansas 72201-1904
Phone:  501-371-2600 or 800-282-9134

Arkansas
DMV Information

Website:  www.dfa.arkansas.gov/Pages/default.aspx
Phone:  501-683-2255

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