Personal Insurance
Auto Insurance
Coverage that goes beyond the Arkansas minimum to protect your car, your finances, and the people in it.
Arkansas requires drivers to carry auto liability insurance. State minimum limits keep you legal, but they may not be enough to protect your assets after a serious accident. We'll help you understand your options and choose limits that fit your needs and budget.
As an independent agency, we work with multiple reputable carriers. We can review coverage options and prices side by side and help you tailor a policy for how you use your vehicles, whether that's daily commuting, new teen drivers, or towing on the weekends.
What Auto Insurance typically covers
Liability
Helps pay for injuries and property damage you're legally responsible for in an auto accident. We can show you what raising limits above the 25/50/25 Arkansas state minimum costs, so you can choose what fits your needs and budget.
Collision & Comprehensive
Collision helps pay to repair or replace your vehicle if it overturns or hits another vehicle or object. Comprehensive (Other Than Collision) helps pay for damage from non-collision causes such as theft, vandalism, fire, hail, flood, falling objects, or contact with an animal. A deductible applies.
Uninsured / Underinsured Motorist
Helps protect you and your passengers if you're hit by a driver who has no insurance or not enough insurance. It can cover injuries and related costs, and may apply in certain hit-and-run situations, subject to policy terms.
Medical Payments & Add-ons
Medical payments, roadside assistance, rental reimbursement, and gap coverage for a financed vehicle, added only where they earn their keep.
Built for Arkansas roads
Hail and severe storms drive a large share of comprehensive claims in our state, and Arkansas sees more than its share of uninsured drivers. We weight your coverage toward the risks you'll actually face here, not a national average.
Related coverage
Common questions
What is the minimum car insurance required in Arkansas?
Arkansas requires liability limits of at least 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. We always offer a minimum of 50/100/50 limits, rather than 25/50/25, because medical bills and repairing and replacing new vehicles can blow past $25,000 quickly.
Will switching carriers really lower my rate?
Often, yes. Because we're independent, we can move you between carriers without you starting from scratch. Rates shift constantly; the company that was cheapest three years ago may not be today. We re-shop on your behalf, not just at sign-up.
Do you cover boats, motorcycles, ATVs, and RVs?
Yes, we can help place coverage for boats/personal watercraft, motorcycles, ATVs/UTVs, and RVs/campers through the carriers we represent. In many cases, carriers offer multi-policy discounts when you bundle eligible policies with the same company.
Ready to protect what matters with the right auto coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.