Arkansas Auto Insurance
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 plans from multiple Arkansas auto insurance companies using our free tool below to find the lowest Arkansas auto insurance rates in your ZIP Code.
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UPDATED: Nov 12, 2020
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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, and proved to be an important partner to its new country, sending troops to assist Texas with its war of independence from Mexico. Let’s take a look at Arkansas’s auto insurance and how things work in the state.
Arkansas Auto Insurance Laws
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
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 victim, per accident and $50,000 for all victims 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 hundred dollars below the national average of $1440 per year.
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.
There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.
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.
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.
But which companies are the largest, holding the most market share percentage in the region?
Theft and Accident Stats 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 experience 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.
4AutoInsuranceQuote.com has prepared a tool to help you find the best deals for Arkansas auto insurance. Simply scroll up to the top of this page and enter in your ZIP code to get started. You’ll be able to compare prices from different auto insurance providers, and select the best custom rate quotes calculated just for you.
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Arkansas Auto Insurance Agents By City/Town
Arkansas Auto Insurance Agents
- Alexander
- Alma
- Almyra
- Alpena
- Altheimer
- Altus
- Amity
- Arkadelphia
- Arkansas City
- Ash Flat
- Ashdown
- Atkins
- Aubrey
- Augusta
- Austin
- Avoca
- Bald Knob
- Barling
- Batesville
- Bauxite
- Bay
- Bearden
- Beebe
- Bella Vista
- Bellefonte
- Belleville
- Benton
- Bentonville
- Bergman
- Berryville
- Bethel Heights
- Bigelow
- Biggers
- Bismarck
- Black Oak
- Black Rock
- Blevins
- Blytheville
- Bonanza
- Bono
- Booneville
- Bradford
- Bradley
- Branch
- Brinkley
- Brookland
- Bryant
- Buckner
- Bull Shoals
- Cabot
- Caddo Valley
- Caldwell
- Calico Rock
- Calion
- Camden
- Cammack Village
- Campbell Station
- Caraway
- Carlisle
- Carthage
- Casa
- Cash
- Caulksville
- Cave City
- Cave Springs
- Cedarville
- Centerton
- Central City
- Charleston
- Cherokee Village
- Cherry Valley
- Chidester
- Clarendon
- Clarksville
- Clinton
- Coal Hill
- College City
- College Station
- Colt
- Concord
- Conway
- Corning
- Cotter
- Cotton Plant
- Cove
- Crawfordsville
- Crossett
- Cushman
- Damascus
- Danville
- Dardanelle
- De Queen
- De Valls Bluff
- De Witt
- Decatur
- Delight
- Dell
- Denning
- Dermott
- Des Arc
- Diamond City
- Diaz
- Dierks
- Donaldson
- Dover
- Dumas
- Dyer
- Dyess
- Earle
- East Camden
- East End
- Edmondson
- El Dorado
- Elaine
- Elkins
- Elm Springs
- Emerson
- Emmet
- England
- Etowah
- Eudora
- Eureka Springs
- Evening Shade
- Fairfield Bay
- Farmington
- Fayetteville
- Fisher
- Flippin
- Floral
- Fordyce
- Foreman
- Forrest City
- Fort Smith
- Fouke
- Fountain Lake
- Fox
- Friendship
- Fulton
- Garfield
- Garner
- Gassville
- Gentry
- Gibson
- Gillett
- Gilmore
- Glenwood
- Goshen
- Gosnell
- Gould
- Grady
- Grannis
- Gravel Ridge
- Gravette
- Green Forest
- Greenbrier
- Greenland
- Greenway
- Greenwood
- Greers Ferry
- Griffithville
- Grubbs
- Gurdon
- Guy
- Hackett
- Hamburg
- Hampton
- Hardy
- Harrell
- Harrisburg
- Harrison
- Hartford
- Hartman
- Haskell
- Hatfield
- Havana
- Haynes
- Hazen
- Heber Springs
- Hector
- Helena
- Hermitage
- Hickory Ridge
- Higden
- Higginson
- Highfill
- Highland
- Hindsville
- Holiday Island
- Holland
- Holly Grove
- Hope
- Horatio
- Horseshoe Bend
- Horseshoe Lake
- Hot Springs
- Hot Springs National Park
- Hot Springs Village
- Hoxie
- Hughes
- Humnoke
- Humphrey
- Huntington
- Huntsville
- Huttig
- Imboden
- Jacksonport
- Jacksonville
- Jasper
- Johnson
- Joiner
- Jonesboro
- Judsonia
- Junction City
- Keiser
- Kensett
- Keo
- Kibler
- Kingsland
- Knobel
- Knoxville
- Lafe
- Lake City
- Lake Hamilton
- Lake Village
- Lakeview
- Lamar
- Lavaca
- Leachville
- Lead Hill
- Leola
- Lepanto
- Leslie
- Letona
- Lewisville
- Lexa
- Lincoln
- Little Flock
- Little Rock
- Lockesburg
- London
- Lonoke
- Lowell
- Luxora
- Lynn
- Mabelvale
- Madison
- Magazine
- Magnolia
- Malvern
- Mammoth Spring
- Manila
- Mansfield
- Marianna
- Marion
- Marked Tree
- Marmaduke
- Marshall
- Marvell
- Maumelle
- Mayflower
- Maynard
- McAlmont
- McCrory
- McGehee
- McNeil
- McRae
- Melbourne
- Mena
- Menifee
- Midland
- Mineral Springs
- Mitchellville
- Monette
- Monticello
- Montrose
- Moro
- Morrilton
- Mountain Home
- Mountain Pine
- Mountain View
- Mountainburg
- Mt Ida
- Mt Pleasant
- Mulberry
- Murfreesboro
- Nashville
- Newark
- Newport
- Norfork
- Norman
- Norphlet
- North Little Rock
- O'Kean
- Oak Grove
- Oak Grove Heights
- Oden
- Ogden
- Oil Trough
- Ola
- Oppelo
- Osceola
- Oxford
- Ozark
- Palestine
- Pangburn
- Paragould
- Paris
- Parkdale
- Parkin
- Patterson
- Pea Ridge
- Perry
- Perrytown
- Perryville
- Piggott
- Pine Bluff
- Pineville
- Piney
- Plainview
- Pleasant Plains
- Plumerville
- Pocahontas
- Pollard
- Portia
- Portland
- Pottsville
- Poyen
- Prairie Grove
- Prattsville
- Prescott
- Pyatt
- Quitman
- Ratcliff
- Ravenden
- Rector
- Redfield
- Reed
- Reyno
- Rison
- Rockport
- Rogers
- Rondo
- Rose Bud
- Rosston
- Russell
- Russellville
- Salem
- Salesville
- Scranton
- Searcy
- Shannon Hills
- Sheridan
- Sherwood
- Shirley
- Sidney
- Siloam Springs
- Smackover
- Sparkman
- Springdale
- St Charles
- St Francis
- Stamps
- Star City
- Stephens
- Strawberry
- Strong
- Stuttgart
- Subiaco
- Sulphur Rock
- Sulphur Springs
- Summit
- Sunset
- Sweet Home
- Swifton
- Taylor
- Texarkana
- Thornton
- Tillar
- Tollette
- Tontitown
- Traskwood
- Trumann
- Tuckerman
- Tull
- Turrell
- Twin Groves
- Tyronza
- Ulm
- Van Buren
- Vilonia
- Viola
- Wabbaseka
- Waldo
- Waldron
- Walnut Ridge
- Ward
- Warren
- Watson
- Weiner
- West Crossett
- West Fork
- West Helena
- West Memphis
- Western Grove
- Wheatley
- White Hall
- Wickes
- Widener
- Wilmar
- Wilmot
- Wilson
- Wilton
- Winslow
- Woodson
- Wooster
- Wrightsville
- Wynne
- Yellville
Additional Arkansas Auto Insurance Information
- 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.