Cheap Arkansas Auto Insurance for 2021

Average Arkansas auto insurance quotes return rates at $105.50/mo and policies must meet the 25/50/25 Arkansas auto insurance requirements for bodily injury and property damage coverage. Compare Arkansas auto insurance policies from more than one company to find the best rates and the coverage you need.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 6, 2021

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Arkansas – the “Natural State” – was first founded by settlers who organized a large chunk of sparsely inhabited land into the Arkansas Territory in 1819. The state was formally admitted to the union just 17 years later.

Like all states, Arkansas has laws governing auto insurance and the financial responsibility of drivers. Arkansas auto insurance is required by law and protects everyone from the high cost of an accident. From coverage requirements to the best auto insurance companies in Arkansas, we have everything you need to know right here.

Before you get the details, find affordable Arkansas auto insurance right now. Enter your ZIP code now to compare Arkansas auto insurance quotes for free.

Table of Contents

Arkansas Auto Insurance Laws

Arkansas requires every driver to carry a minimum amount of car insurance. This ensures that drivers can be financially responsible if they’re at fault in an accident.

In Arkansas, the state liability coverage minimums are:

Bodily Injury Coverage – $25,000 per person
Bodily Injury Coverage – $50,000 per accident
Property Damage Coverage – $25,000 per accident

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In addition to the requirements, there is more insurance you can buy to protect yourself. Optional coverage options in Arkansas:

Comprehensive Coverage
Collision Coverage
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Personal Injury Protection

Drivers in Arkansas participate in what is known as the tort system of auto insurance. When an accident or crash occurs, a driver will be determined to be “at fault” for causing it, and this driver and their insurance will be subject to financial claims and lawsuits.

If you’re coming to Arkansas from another state, know that this is probably the same system that you used but as with all state-to-state transitions, there may be minor tweaks. Ask your auto insurance agent for further details.

To ensure that drivers have at least a minimum amount of auto insurance when driving the roads, the Government of Arkansas has instituted mandatory minimums in a couple of different areas that all drivers must purchase to legally drive.

Property damage liability insurance covers any automobile or property damage that you cause when you get into an accident. For instance, if you should hit another car in a crash that you are “at fault” for, your property damage liability coverage will pick up some (or all) of the costs. The minimum amount of Property Damage Liability insurance by law is $25,000.

Bodily injury liability is another type of mandatory coverage in Arkansas. This insurance will cover the costs associated with injuries you cause to other parties in an accident. To use the above example – if the driver in the car you hit was to sustain a broken arm, your bodily injury liability insurance would cover their medical treatment costs, lost wages and other financial claims associated with the accident.

The minimum amount of bodily injury liability coverage is $25,000 per person, per accident, and $50,000 for all persons injured in a single accident. Note that with today’s high medical treatment and hospital costs, these amounts can be quite low, so if you have room in your budget, try to pick up enhanced coverage.

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Auto Insurance Cost In Arkansas

With 116 insurers to choose from, Arkansas drivers have quite the decision ahead of them when purchasing auto insurance. While it can be tough to sort through the different auto insurance companies and all of the packages and deals that they offer, it’s critical to do your homework to ensure you’re paying the best rate for your insurance.

The great news is that auto insurance is very affordable in Arkansas, with the average driver’s insurance rate coming in a couple of hundred dollars below the national average of $1440 per year.

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Statewide, drivers in Arkansas pay around $1266 per year for auto insurance, with drivers in Little Rock paying an average of $1430 and those in Fort Smith paying an incredibly low $1120 per year.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Arkansas Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

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But which companies are the largest, holding the most market share percentage in the region?

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Theft and Accident Statistics In Arkansas

Aside from a brief spike in the middle of the decade, auto theft rates in Arkansas remained relatively flat until 2008. Thanks to stepped-up law enforcement in urban areas and more care being taken by Arkansas residents to protect their automobiles, auto theft is currently experienced a steep decline. 2009 saw just 6,100 total reported vehicle thefts, down from 6,500 in 2008 and 7,010 the year prior.

If current trends continue, the reduction in auto thefts will have a positive impact on Arkansas auto insurance rates for everyone in the state.

The good news continues for Arkansas drivers when crash statistics are considered as well. 2009 saw a total of 62,808 vehicle crashes across the state, which was down from 63,137 the year prior.

Since the start of the decade, vehicle crashes are down more than 12%, thanks to Arkansas drivers using better caution and judgment on the road, and more enforcement of traffic laws by police. Since peaking in 2004, traffic fatalities have also continued declining, with 2009 seeing just 592 fatalities caused by car accidents. Again, if these trends continue it will help bring down Arkansas’s auto insurance rates.

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Arkansas Auto Insurance Agents By City

If you are looking for an auto insurance agent in Arkansas, take a look at the list below.

Arkansas Auto Insurance Agents

Additional Arkansas Auto Insurance Information

For more details from official sources, take a look at the resources below.

State of Arkansas DMV – The official website from the Arkansas dept. of finance and administration.
Arkansas Motor Vehicle Commission – Website from Arkansas.gov.
Arkansas Insurance Department – Official state of Arkansas website.
Arkansas Auto Insurance FAQ – From the Arkansas insurance department.
Arkansas Automobile Insurance Brochure – PDF file from the insurance department.
GHSA – Arkansas highway safety laws information.

If you’re ready to buy Arkansas auto insurance, we can help. Enter your ZIP code below to compare Arkansas auto insurance rates today.

Cheap Arkansas Auto Insurance for 2021

Free Auto Insurance Comparison

It’s all about you. We want to help you make the right coverage choices.

Arkansas Auto Insurance Laws

Auto Insurance Cost In Arkansas

Arkansas Auto Insurance Rates by Company

Theft and Accident Statistics In Arkansas

Arkansas Auto Insurance Agents By City

Arkansas Auto Insurance Agents

Additional Arkansas Auto Insurance Information

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