Personal Lines · Auto
Auto insurance for Central Arkansas drivers
Whether you cross the I-30 bridge every morning or run kids to practice in Sherwood, we'll find auto coverage that fits your vehicles, your drivers, and your budget — quoted across several carriers in one conversation.
What Arkansas requires
State minimums are a floor, not a plan
Arkansas requires liability coverage of 25/50/25 — $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. One bad wreck runs past that in a hurry, and anything over the limit comes out of your pocket.
We'll show you what higher limits actually cost per month — usually less than folks expect — and where uninsured motorist coverage matters, because plenty of drivers out there are carrying no insurance at all.
| Coverage | What it pays for |
|---|---|
| Liability | Injuries and damage you cause to others — required in Arkansas |
| Collision | Damage to your vehicle in an accident, regardless of fault |
| Comprehensive | Hail, flood, theft, vandalism, deer strikes — common Arkansas claims |
| Uninsured motorist | Your injuries and damage when the other driver has no coverage |
| Medical payments | Medical bills for you and your passengers after an accident |
Ways we bring the price down
- Multi-policy discounts — pair auto with home insurance
- Multi-vehicle and safe-driver discounts
- Good student discounts for teen drivers
- Deductible strategy matched to your emergency fund
- Reviewing available options when your needs or renewal terms change
Things we deal with all the time
- Adding a teen driver and reviewing the cost and coverage
- Financed or leased vehicles with lender requirements
- SR-22 filings and post-accident rate recovery
- Classic and antique vehicle coverage
Field Notes: Arkansas auto limits — minimum versus practical protection →
Start with the coverage you have now
Bring us your current declarations page so we can review your coverage and the options available through the agency.
Compare My Auto RateUsing a vehicle for work?
How a vehicle is used matters. Tell us about deliveries, job-site travel, equipment, employee drivers and who owns the vehicle. We can review whether a personal policy, a business-use provision or commercial coverage fits the situation.
Review commercial auto insurance questions for business vehicles.