The coverage you can only lose by signing it away.
Arkansas doesn't just set a liability minimum. It requires that certain protections be built into your policy unless you reject them in writing — and once you've signed that rejection, the law says nobody has to mention it to you again. Here's what goes on the policy, what the state guarantees you'll be offered, and why auto is one half of the package that carries the rest of your household.
The short answer
Arkansas requires 25/50/25 liability under Ark. Code Ann. § 27-22-104 — the legal floor, which pays only the other driver. Separately, state law says an Arkansas auto policy must include uninsured motorist coverage unless you reject it in writing, and that the rejection lasts until you withdraw it in writing. Underinsured motorist coverage works the same way and can't exist without uninsured motorist coverage elected first. With Acuity, auto and home form the core package that makes the umbrella, boat, camper, side-by-side, and rental dwelling coverage available at all.
Some coverage is yours unless you sign it away.
This is statutory ground that applies across the market, not a carrier feature — and it's the least understood thing about an Arkansas auto policy.
Under Ark. Code Ann. § 23-89-403, an auto liability policy issued in Arkansas must provide uninsured motorist bodily injury coverage — unless the named insured has rejected the coverage in writing.
Read that the right way round. It isn't a coverage you have to remember to ask for. It's a coverage that belongs on your policy by default, and the only way it comes off is that somebody signed a form.
And here is the part almost nobody knows. The same statutes provide that once a named insured rejects the coverage, the insurer is not required to notify the insured of its availability on any renewal, reinstatement, substitute, amended, or replacement policy. The rejection also continues until it is withdrawn in writing. So a signature made to shave a few dollars off a first policy can follow a driver silently through decades of renewals — through new cars, a marriage, a mortgage, and children on the policy — with no prompt and no reminder, long after the reason for it stopped applying.
Underinsured motorist coverage — the one that responds when the at-fault driver is insured but carries nowhere near enough — must also be offered with an opportunity to reject it in writing.
It carries a condition worth knowing: it isn't available unless uninsured motorist coverage has been elected, and it can't be issued without uninsured motorist coverage issued alongside it. Rejecting one forecloses the other.
Two more pieces of the same regime. Under § 23-89-404 the property damage portion of uninsured motorist coverage can be rejected separately from the bodily injury portion, so it's possible to hold one without the other — and a statutory threshold applies to when it responds. And under § 23-89-202 and § 23-89-203, certain personal injury protection benefits — medical and hospital costs, income disability, and accidental death benefits — must be offered to you, and the named insured may reject them in writing, individually or together. Four separate signatures, four separate things you can be missing.
So the useful question isn't "should I add uninsured motorist coverage." It's "what did I already sign, and when?" That's a line on your declarations page, and reading it back to you takes about two minutes. It's the single most valuable thing we do with an Arkansas auto policy that somebody else wrote. This is general information about Arkansas law, not legal advice.
The coverages that make a policy.
The first is required. The rest are how "legal" turns into "actually protected" when something goes wrong.
Liability
Bodily injury and property damage liability pay for the other party when you're at fault. Arkansas sets the floor at 25/50/25 under Ark. Code Ann. § 27-22-104. It keeps you legal and does nothing for your own car or your own injuries.
Uninsured motorist
Responds when the driver who hits you has no coverage at all. On your policy unless rejected in writing, per § 23-89-403 — which makes it the one coverage most worth checking rather than assuming.
Underinsured motorist
Responds when the at-fault driver is insured but their limits don't come close to your injuries. Given how many drivers carry exactly the state minimum, this is the coverage that quietly does the heavy lifting after a serious wreck.
Medical payments & PIP
Pays medical costs for you and your passengers no matter who caused the crash. Arkansas requires that certain of these benefits be offered to you, subject to written rejection under § 23-89-203.
Collision
Repairs or replaces your own vehicle after a crash whoever was at fault, less your deductible. Optional under state law, always required by a lender on a financed or leased car.
Comprehensive
Theft, fire, vandalism, falling limbs, hail, and the deer that steps onto a county road at dusk. In this part of Arkansas the hail and the deer are the two that actually get used.
Auto is one half of the package.
Acuity's personal side is built around a package rather than around standalone policies, and this page is one half of it.
Auto and home written together form the core, and that package is what makes Acuity's personal umbrella, motorcycle, RV and motorhome, travel trailer, ATV and UTV, boat, and landlord coverage available. Those lines are not sold on their own. So the auto quote and the home quote are one conversation here, not two.
There's a practical upside that connects straight back to the statutes above. When the household's vehicles, the house, the camper, and the boat all sit on one package with one renewal date, there's one annual moment where somebody reviews the whole thing — and that's exactly the moment a twenty-year-old uninsured motorist rejection gets found. Coverage scattered across six carriers with six anniversaries is coverage nobody ever reads all at once.
The gaps worth knowing before you bind.
Your belongings in the car
An auto policy covers the vehicle, not the laptop, tools, or car seat inside it. Personal property taken from a car is a homeowners or renters claim, which is one more reason the household's policies belong in one place.
Driving for an app
A personal auto policy generally stops responding the moment a rideshare or delivery app is switched on. If anyone in the household drives for one, say so up front — a claim made while the app was on can be denied outright.
Using the vehicle for business
Hauling tools, making deliveries, or carrying anything for a business you run can put a loss outside a personal policy. That's what commercial auto is for, and the line isn't always where people assume.
Wear and mechanical failure
No auto policy pays for a worn transmission, a dead battery, or corrosion. Those are maintenance rather than sudden accidental loss, and no coverage on any carrier's form reaches them.
Driven by the drivers and the vehicles.
A typical range for full-coverage auto policies placed through Cribb Insurance Group across our markets — a planning figure, not a quote, not carrier-specific, and not a guarantee. Your rate turns on the vehicles and their safety and theft profile, the drivers in the household and their records, the coverages and liability limits you choose, your deductibles, where the car is garaged, annual mileage, and a credit-based insurance score. Some households fall below this band and some fall well above it. Bundled homeowners through our markets has commonly run $1,362 – $2,250 per year for a five-year-old $400,000 Northwest Arkansas home, and since Acuity writes the two together, both figures belong to the same conversation.
Auto is where the package starts.
Acuity auto insurance questions.
What car insurance is required in Arkansas?
Arkansas requires liability coverage of at least 25/50/25 under Ark. Code Ann. § 27-22-104: twenty-five thousand dollars for bodily injury to one person, fifty thousand for bodily injury per accident, and twenty-five thousand for property damage. That is the legal floor and it pays only for the other party when you are at fault.
Separately, state law requires that you be offered uninsured motorist coverage and underinsured motorist coverage, which is a different thing from requiring you to buy them. Collision and comprehensive are optional under state law but will be required by any lender on a financed or leased vehicle. This is general information, not legal advice.
Is uninsured motorist coverage required in Arkansas?
Not exactly, and the distinction matters. Under Ark. Code Ann. § 23-89-403, an auto liability policy issued in Arkansas must include uninsured motorist bodily injury coverage unless the named insured rejects it in writing. So it is not optional by default — it is included unless you actively sign it away.
The statute also says that rejection continues until you withdraw it in writing, which means a signature on an application years ago is still operating on your policy today. Underinsured motorist coverage works similarly under § 23-89-209, with its own written rejection. We check what your declarations page actually shows rather than assuming.
If I rejected UM coverage years ago, will my insurer offer it again?
It does not have to. Both § 23-89-403 and § 23-89-209 provide that once a named insured rejects the coverage, the insurer is not required to notify the insured of its availability on any renewal, reinstatement, substitute, amended, or replacement policy. That is the part almost nobody knows.
A rejection signed to save money on a first policy in your twenties can quietly follow you through every renewal and every replacement policy for decades, with no prompt and no reminder, long after the reason for it has gone. Asking us to look is the only reliable way to find out where you stand.
Can I have underinsured motorist coverage without uninsured motorist coverage?
No. Ark. Code Ann. § 23-89-209 provides that underinsured motorist coverage is not available, and insurers are not required to offer it, unless the insured has elected uninsured motorist coverage under § 23-89-403, and that underinsured motorist coverage shall not be issued without uninsured motorist coverage issued in coordination with it.
The practical consequence is worth understanding: rejecting uninsured motorist coverage does not just remove that one protection, it also forecloses the underinsured motorist coverage that would respond when an at-fault driver is insured but carries nowhere near enough.
What does an Acuity auto policy cover?
The standard personal auto set: bodily injury and property damage liability, uninsured and underinsured motorist coverage, medical payments, collision, and comprehensive. Liability is what the state requires. Collision pays for your own vehicle after a crash regardless of fault, comprehensive covers theft, fire, hail, vandalism, and animal strikes, and medical payments covers injuries to you and your passengers without anyone establishing blame.
Arkansas also requires that certain personal injury protection benefits be offered to you, which you may reject in writing. Limits, deductibles, endorsements, and exclusions are set by the carrier and apply as written in the policy actually issued.
Why does Acuity quote my auto and home together?
Because on the personal side Acuity is built around a package rather than around standalone policies. Auto and home written together form the core, and that package is what makes Acuity's personal umbrella, motorcycle, RV and motorhome, travel trailer, ATV and UTV, boat, and landlord coverage available. Those lines are not sold on their own.
For a household with a camper, a side-by-side, and a boat, that means one policy, one renewal date, and one carrier rather than six anniversaries to track. If the package does not fit your household, we place those pieces with other carriers that write them standalone.
How do I get an Acuity auto insurance quote in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066. Send your current declarations page if you have one — reading what you already carry is faster than answering questions about it, and it is specifically how we find an uninsured motorist rejection nobody has mentioned to you since the day it was signed.
Tell us about the house as well, since auto is quoted alongside home here and the rest of the package rides on both. We quote Acuity against 40-plus other carriers before telling you whether it is the right home for your account.
If our coverage explainers are useful, mark Cribb Insurance as a preferred source so more Northwest Arkansas drivers can find our local, plain-English guides.
Let us read what you already signed.
Send the declarations page for whatever you're driving now. We'll tell you in plain English whether uninsured and underinsured motorist coverage is actually on there or was signed away at some point, check the limits and deductibles, and quote Acuity against 40-plus other carriers. If what you have is already right, we'll tell you that too.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas, Oklahoma, Missouri, and Texas. We are not Acuity, and this page is not endorsed, sponsored, reviewed, or approved by Acuity. "Acuity" is a trademark or service mark of ACUITY, A Mutual Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Acuity's Arkansas auto policies are issued by Acuity-affiliated underwriting companies.
This page describes auto coverage in general, industry-standard terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Liability, uninsured and underinsured motorist coverage, medical payments, personal injury protection benefits, collision, comprehensive, limits, deductibles, endorsements, and exclusions are optional or conditional, are set by the carrier, vary by state and by policy and over time, are subject to the carrier's underwriting approval and eligibility, and apply only as written in the policy actually issued to you.
Program structure described on this page — including that Acuity's personal umbrella, motorcycle, RV and motorhome, travel trailer, ATV and UTV, boat and watercraft, and landlord coverages are written under a package policy available when auto and home are written together — reflects the carrier's program as described to this agency, is subject to the carrier's rules, eligibility, and underwriting approval, may vary by state and by policy and over time, and is subject to change without notice.
References to Arkansas law — including the 25/50/25 liability minimum under Ark. Code Ann. § 27-22-104, the uninsured motorist provisions of § 23-89-403 and § 23-89-404, the underinsured motorist provisions of § 23-89-209, and the personal injury protection provisions of § 23-89-202 and § 23-89-203 — are general information, not legal advice, are simplified summaries rather than complete statements of the law, and are subject to change. Whether any coverage is present on your policy, and how it responds to any particular loss, depends on the terms and endorsements of the policy actually issued and on the facts of the claim. Confirm specifics with the Arkansas Insurance Department or a qualified professional.
Cost figures reflect policies placed through Cribb Insurance Group across our markets, are a planning range rather than a quote, and are not carrier-specific and not a guarantee of your rate.
Last reviewed August 2026.