Insurance Center

In 1997, Arkansas began tracking all auto liability insurance across the state. Insurance companies report their auto policies directly to the state database which compares vehicle identification numbers (VIN) to active policies. If your VIN doesn't match a policy on file, you are operating your vehicle illegally.

Insurance Minimum Requirements

When you register a car or transfer a title in Arkansas, you must provide proof of auto liability insurance on your vehicle.

By law, you must carry at lease the following minimum liability insurance:

• $25,000 per person for bodily injury

• $50,000 per accident

• $25,000 to cover property damage

It is important you get the right level of coverage so take the time to understand what your insurance broker, company, or agent is recommending for you.

Keep the insurance card in your car at all times. It will be required at a traffic stop or if you have an accident.

Enforcement

The Arkansas Office of Motor Vehicles keeps a current list of all insurance coverage for every registered vehicle. The OMV is notified within 30 days of your policy lapse if you fail to make payment or cancel the policy.

Without valid insurance, your registration will be suspended. You'll have to prove that you do have liability insurance before your registration is reinstated.

If you don't want or need to maintain a valid registration on a vehicle you don't drive, you can cancel the insurance on it. Mail a letter with your VIN and insurance information to:

• Office of Motor Vehicles

• 1900 West Seventh Street

• Suite 2042

• Ragland Building

• Little Rock, AR 72201

In recent years insurance premiums have increased, but when you consider driving your vehicle without proper insurance is illegal, and a serious accident could be exorbitant, it is wise to maintain insurance.