How It Works
Enter your ZIP code and tell us what coverage you are looking for in Arkansas
See what Arkansas requires and compare quotes from licensed carriers
Choose coverage that meets Arkansas requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Multi-Car Policy Structure
A multi-car policy puts two or more vehicles on one policy. Each vehicle can carry its own coverage level — liability only, or liability plus collision and comprehensive — while the whole policy earns the multi-car discount.
Liability Insurance Per Vehicle
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. State minimums vary — bodily-injury liability per person ranges from $15,000 to $50,000 across states, with $25,000 the most common.
Full Coverage for Select Vehicles
Full coverage adds comprehensive and collision to liability. On a multi-car policy, you can carry full coverage on financed or newer vehicles and liability only on older paid-off cars — each vehicle's coverage level is independent.
Uninsured Motorist Coverage
Uninsured motorist coverage pays for injuries and damage when the at-fault driver has no insurance. Required in 22 states, optional in others. On a multi-car policy, this coverage typically applies to every vehicle on the policy.
