Question 1

How does the multi-car discount work in Arkansas?

Accepted Answer

The multi-car discount in Arkansas applies when you put two or more vehicles on the same policy, typically requiring the same garaging address. Adding a second vehicle to your existing Arkansas policy re-rates the entire policy with the discount applied, rather than adding a flat amount. Among carriers writing in Arkansas, State Farm, Geico, Progressive, Allstate, and Farmers all offer the multi-car discount when vehicles are combined on one policy.

Question 2

Can I put two cars on one policy in Arkansas if they have different coverage levels?

Accepted Answer

Yes — on a Arkansas multi-car policy, one vehicle can carry liability only at the 25/50/25 minimum while another carries full coverage with collision and comprehensive, and the policy still earns the multi-car discount. Each vehicle that carries collision or comprehensive has its own deductible. The multi-car discount applies to the entire policy regardless of coverage differences between vehicles.

Question 3

What is the Arkansas minimum liability for each vehicle on a multi-car policy?

Accepted Answer

Arkansas requires every vehicle on a multi-car policy to carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage — the 25/50/25 minimum. Each vehicle carries this minimum separately, but the policy earns one multi-car discount when all vehicles sit together.

Question 4

Which carriers in Arkansas give the best multi-car discount?

Accepted Answer

Among carriers writing in Arkansas, State Farm, Geico, Progressive, Allstate, Farmers, and National General all write multi-car policies and apply the discount when vehicles are combined on one policy. The discount amount varies by carrier, and a smaller discount on a lower base rate can beat a larger discount on a higher one — comparing the final premium with the discount applied is more accurate than comparing discount structures alone.

Question 5

Do both vehicles need to be titled to the same person to get the multi-car discount in Arkansas?

Accepted Answer

Most Arkansas carriers require the same garaging address to apply the multi-car discount, and some require all vehicles titled or registered to the same household. How the vehicles are titled can affect discount eligibility — if one vehicle is titled to a household member on a different policy, some carriers will not apply the full multi-car discount. Check with the carrier before combining vehicles.

Question 6

What happens to the multi-car discount when I add a third vehicle in Arkansas?

Accepted Answer

Adding a third vehicle to your Arkansas multi-car policy re-rates the entire policy with the new vehicle included and recalculates the multi-car discount to reflect the additional vehicle. The increase depends on the new vehicle's value, the driver assigned to it, and the coverage selected. The multi-car discount applies to all three vehicles, not just the first two.

Question 7

Is uninsured motorist coverage required on a multi-car policy in Arkansas?

Accepted Answer

No — Arkansas does not require uninsured motorist coverage on any vehicle, including those on a multi-car policy. However, 12.1% of Arkansas motorists are uninsured as of 2023, so adding UM coverage to each vehicle on your multi-car policy protects you when an at-fault driver has no insurance. Each vehicle on the policy can carry its own UM limit, or you can decline it entirely.

Coverage	Minimum
Bodily Injury (per person)	$25,000,000
Bodily Injury (per accident)	$50,000,000
Property Damage	$25,000,000

Multi-Car Insurance — Arkansas

Arkansas Minimum Coverage

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