That said, Arkansas doesn’t require you to get PIP. The minimum requirement is just liability coverage, which pays for others’ injuries and damages in the event of a car accident. Still, we recommend getting PIP to pay for any losses above the other driver’s liability limits.
If you weren’t made whole after your losses, you could potentially receive compensation through a civil suit, provided you were less than 50 percent at fault in the accident due to the state’s modified comparative negligence laws.
When you buy car insurance in Arkansas, your agent or broker must offer you two insurance discounts, though you have to qualify to receive them.
- College graduates: You’ll receive a discount if you’ve graduated from college.
- Defensive drivers: Drivers age 55 and older can save money on car insurance by completing a defensive driving course approved by the state’s Office of Driver Services.
Arkansas doesn’t specify the percentage of either discount, so check with your insurance agent for the specifics.
Are you a male, someone with bad credit, or single, divorced, separated, or widowed? Expect higher car insurance rates than a woman, someone with good credit, or a married person. Though it may seem discriminatory, it’s legal for insurance companies to base pricing on these characteristics in Arkansas, though this isn’t the case in every state.