Arkansas Auto Coverages
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Auto Insurance Coverage in Arkansas

Learn about your coverage options so you can choose the Arkansas auto insurance that's right for your needs, goals and budget.

Arkansas car insurance coverage your policy must have

Liability coverage

There are two types of liability coverage available:

  • Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
  • Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.

The minimum amount of Arkansas auto insurance coverage is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $25,000 for damage to another person’s property.

Liability coverage also provides for your legal defense if a lawsuit is brought against you as a result of a covered accident.

Arkansas auto insurance coverage that’s smart to have

Though full coverage auto insurance in Arkansas is not mandatory, you may want to consider adding the following coverages to your policy. We offer several affordable options to give you peace of mind both on and off the road.


This type of Arkansas auto insurance covers damage to your vehicle not caused by collision or upset. Examples include damage or loss resulting from contact with animals, theft, fire, vandalism and glass breakage along with other non-collision related accidents.


Collision covers damage to your vehicle resulting from a collision with another vehicle or object.

Uninsured and underinsured motorist

Protects you in the event of an accident where the other party is at-fault and either doesn't carry insurance or whose insurance limits are not enough to reimburse you for damages they caused.

  • Property damage helps pay for property damage to your vehicle that you are legally entitled to from another driver who is not insured.
  • Bodily injury helps pay for damages due to bodily injury that you and others are legally entitled to from another driver who is not insured or is underinsured.
  • Personal injury protection (PIP) – Reimburses a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e. passengers or pedestrians).

Tailor your policy with these Arkansas car insurance coverage options

Accident Forgiveness

With this optional feature, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.

Nationwide Roadside Assistance

Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.

Rental reimbursement

If you can't drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.