Auto Insurance in Bentonville, Fayetteville, Rogers & Pea Ridge, AR

Arkansas requires liability coverage of at least 25/50/25 — that's $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 in property damage coverage, as outlined by the Arkansas Insurance Department. Arkansas also requires uninsured motorist coverage and Personal Injury Protection (PIP) unless you opt out in writing. Our local Bentonville office can walk you through exactly what's required and where it makes sense to carry more.

That depends on you, the consumer. First, look at the value of the car you're driving — if you're average, your car is likely worth around $30,000. If you hit someone driving an identical vehicle and you're carrying Arkansas minimums, you could be left $5,000 out of pocket. Unfortunately, medical bills can climb far faster than that. Our recommendation is 100/300/100 limits with matching uninsured and underinsured motorist coverage. Ironically, going from Arkansas minimums to 100/300 usually costs a lot less than most people think — 4 times more insurance does not cost 4 times more. If you have growing assets, we recommend carrying auto liability limits at least equal to what you own, and at some point, that's exactly when it's a good idea to add an umbrella policy on top.  See real numbers Here!

Under Arkansas Code § 27-22-103, a first offense carries a fine between $50 and $250. Repeat offenses increase the fine up to $500, and a third offense is classified as a Class C misdemeanor, carrying a fine of $500 to $1,000 and the possibility of up to a year in jail. Your registration can also be suspended until you provide proof of coverage and pay a reinstatement fee.

Beyond the legal penalties, driving uninsured puts your own finances directly at risk. If you cause an accident while uninsured, you're personally on the hook for the other driver's damages and medical bills — there's no insurance company standing behind you. That can mean paying out of pocket, and if you can't pay, the other party can pursue a judgment against you, which may lead to wage garnishment until the debt is satisfied. A basic liability policy exists specifically to stand between your paycheck and that kind of outcome.

If you have a loan or lease on your vehicle, your lender will typically require collision and comprehensive coverage in addition to liability. If your car is paid off, it depends on the vehicle's value and how much risk you're comfortable carrying yourself — something we're happy to talk through with you.

Because we're not tied to one company, our Bentonville-based agents shop multiple carriers to compare coverage and pricing for your specific situation — something a single-carrier website can't do. And if you ever have a question or a claim, you can call or stop by our local office and talk to a real person who knows you, rather than a call center.

Yes — bundling auto with home, renters, or landlord coverage often unlocks additional discounts. Ask your local MBG agent to run the numbers both ways so you can see exactly how much bundling saves.

Usually just a few minutes. Give our local Northwest Arkansas office a call, and one of our agents will gather some basic information and start shopping carriers on your behalf right away.

Our office is based in Bentonville, but we regularly write policies for drivers throughout Fayetteville, Rogers, Pea Ridge, and the surrounding Northwest Arkansas area.