Arkansas Car Insurance

Last Updated on December 19, 2019


Our guide to car insurance in Arkansas –

Arkansas is known as the Natural state thanks to its diverse range of geography. The state is known for the Ozarks and Ouachita Mountains, but the farther south you drive, you’ll run into the Arkansas Timberlands. Head east and you’ll meet the mighty Mississippi River and the Arkansas deltas. Residents and tourists alike flock to Arkansas for outdoor activities, but whether you’re taking a weeklong vacation or getting out of the city, make sure your Arkansas car insurance is up to date.

It’s important to consistently update your car insurance to reflect any changes that may have occurred in your life. If you get a new car, you must update your registration, but did you change your coverage limits? Setting the right coverage limits is essential to maintaining your personal financial assets if you’re in a serious accident, but insurance can also protect passengers as well. Don’t drive uninsured. Purchase Arkansas auto insurance today.

Average Auto Insurance Prices in Arkansas

If you’re living close to the Mississippi River in Arkansas, your car insurance rates may be much higher than other places on the East Coast. But, it’s important to keep in mind that no matter where you live, car insurance rates are going to fluctuate. That’s because premiums are determined by a variety of factors and your location is only one of them. Although you may live in northwest Arkansas, if you live in a neighborhood with a high crime rate, your insurance may be the same price as a resident living next to the river.

Other factors including your driving record, age, and gender, claims history, and make and model of your car will also have an impact on your premiums. If you have a long history of insurance claims and traffic tickets, your insurance will be much higher than someone with a safe driving history.

Teenaged drivers are always going to pay the most for insurance because they’re the riskiest demographic to insure. If you want to find affordable car insurance, try our quote comparison tool.

  • Current average annual auto insurance premiums in the United States: $1666.62
  • Current average annual auto insurance premiums in Arkansas: $1,836.00

Most Expensive Arkansas Insurance Rates

  1. Lucas (72332): $1,395
  2. Hornor (72342): $1,395
  3. Hornor (72390): $1,364
  4. Big Creek (72374) : $1,359

Least Expensive Arkansas Insurance Rates

  1. Sulphur Springs (72768): $1,040
  2. Garland (72719): $1,055
  3. Osage (72758): $1,055
  4. Brightwater (72756): $1,055

Arkansas Minimum Auto Insurance Requirements

Although Arkansas is a no-fault state, it still has personal injury payment (PIP) coverage available. You can purchase it in three parts:

  • Medical payments
  • Lost wages
  • Death benefits

You have the option of purchasing all three coverage forms or just one, but you if you decide that you don’t the coverage, you must specify to your insurance company in writing. PIP works by providing any of the three benefits regardless of who causes an accident. There may be minimum purchase limits but speak to your insurance agent about what the right coverage limits are for you. Some drivers may need more PIP coverage if they don’t have health insurance.

When it comes to your typical car insurance, Arkansas sets minimum legal limits. While this is a great place to start regarding coverage, it may not be enough. If you’re underinsured, you may find that your out of pocket costs will exceed what extra coverage would add to your premium.

  • Bodily Injury Liability per person: $25,000
  • Bodily Injury Liability per accident: $50,000
  • Property Damage Liability: $25,000

The following amounts and policies are recommended.

  • Bodily Injury Liability per person: $25,000
  • Bodily Injury Liability per accident: $50,000
  • Property Damage Liability: $25,000
  • Uninsured Motorist Bodily Injury per person: $25,000
  • Uninsured Motorist Bodily Injury per accident: $50,000
  • Medical Payments: $5,000
  • Collision: $500 deductible
  • Comprehensive: $100 deductible

Penalties for Driving Without Insurance in Arkansas

When you register your vehicle in Arkansas, you must provide proof of insurance. Your insurance carrier will report that you’ve at least met the minimum amount of liability coverage to the Arkansas Insurance Database and will update when you make any changes to your policies. This includes new vehicles, non-renewals, and cancellations.

Although your insurance information is present in the AID database, if a police officer requests proof of insurance, you’re legally required to have it on your person. If you simply don’t have your insurance card, you might be able to get the citation removed if you can prove to the court you have insurance. But, if you’re driving without insurance, you could face additional charges and fees as well as reinstatement and registration fees.

How to Get Auto Insurance in Arkansas

There are many ways to find reliable insurance in Arkansas, but who has the time to sift through thousands of insurance providers? When you have so many choices, it’s easy to become overwhelmed. You either wind up sticking with your current insurance company who you’re unhappy with or going with a new provider while wondering if there’s something better out there. Don’t get stuck with a mediocre insurance provider!

Instead, use our simple quote comparison tool. It only requires a little bit of basic information and you’ll have multiple quotes from local providers within minutes.

Arkansas Auto Insurance Resources

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