Arkansas Car Insurance Quotes
Everything You Need to Know About Auto Insurance in Arkansas
Known as the Natural State, Arkansas is home to scenic destinations like the Ozarks, Hot Springs National Park, and the Buffalo National River, along with historic towns and relaxed cities such as Little Rock, Fayetteville, and Bentonville. The state also plays a major role in agriculture and commerce, housing companies like Walmart, Tyson Foods, and J.B. Hunt.
With just over three million residents, Arkansas roads are less congested than those in many states but still pose challenges. Steep, winding highways and severe weather—such as thunderstorms, flooding, and high winds—can make driving hazardous, especially in rural areas. An InsureOne expert agent can help you find the right auto insurance coverage in Arkansas to protect you on the road.
Protect your vehicle financially by speaking with an InsureOne expert agent, who can help you find the best car insurance in Arkansas for your personal needs.
How Much Does Car Insurance Cost in Arkansas?
The type of policy you get will determine how much you pay for auto insurance in Arkansas. The average price of a full coverage policy in the state is $2,723, well above the country-wide rates of $2,014. Average premiums for minimum liability insurance in Arkansas are $503, which is significantly below the U.S. average of $622.
The reason minimum liability coverage is low is very possibly because the state has low urban density, where accidents are uncommon. Full coverage car insurance in Arkansas can be costly due to comprehensive claims stemming from wind events, flooding, and hail. Additionally, high uninsured driver rates in the state mean that insurers are often stuck paying for damages to customers with full coverage policies even when the at-fault driver is not their client.
What Does It Mean If Arkansas Is an At-Fault State?
The difference between Arkansas’s at-fault laws vs. the no-fault rules of other states lies in who pays for damages when there is an accident. In both types of systems, the person responsible for the crash is held liable for property damages.
However, they differ when it comes to injuries. In no-fault states, each driver must turn to their own insurer for medical expenses, while the responsible party’s insurer pays for injury-related costs in at-fault states.
Affordable Car Insurance Rates Comparison by Cities in Arkansas
Every zip code or municipality can have a different rate because each area has different characteristics that affect the likelihood of you filing a claim. For example, crash rates in Fayetteville, an urban city, will be very different from those in rural Jasper. Below is a mix of municipalities of different sizes and their average coverage rates.
| City | Full Coverage | Liability Insurance Coverage |
|---|---|---|
| Fayetteville | $232 | $50 |
| Fort Smith | $237 | $50 |
| Jasper | $242 | $38 |
| Jonesboro | $237 | $57 |
| Little Rock | $273 | $63 |
| Mammoth Spring | $212 | $41 |
| Mount Ida | $263 | $44 |
| Mountainburg | $238 | $45 |
| Rogers | $222 | $49 |
| Wilson | $250 | $48 |
Our average monthly premiums by city are based on the following methodology: male, age 30, with the lowest possible legal coverage allowed by the state.
How Do Deductibles Affect Rates in Arkansas?
Insurers base their rate on the probability of each policyholder filing a claim and how much they might have to pay out for such claims. Your deductible is the amount you pay each time you have an incident. You choose the amount when you sign up for your policy.
So if you have a high deductible, your insurer will lower your premiums because they will pay less every time you file a claim. If your deductible is on the low end, expect higher rates since each incident will cost your insurer more.
Here is an example of how deductibles affect your insurer: Say you slide on an ice patch on Highway 7 or hit the car in front of you during rush hour traffic in Little Rock, and you are deemed responsible. The damages end up costing $10,000. If your deductible is $1,000, your insurer has to pay out $9,000. With a $2,000 deductible, they will only pay $8,000.
As you can see, your deductible affects your insurer’s bottom line and your rates. You can choose a high deductible to lower your premiums, just make sure that you are comfortable with paying that amount if you ever have to file a claim. Ask your expert InsureOne agent to run various quotes for you, each with different deductible amounts, so you can find a comfortable balance between your premiums and deductible amount.
How Bundling Your Vehicle and Homeowners Insurance Can Save You Money in Arkansas
There are many types of companies that might give you better pricing for increasing the amount of business you do with them, and insurers are no different. If you bundle your homeowners insurance and car insurance in Arkansas, you can lower your premiums by up to 25%.
In a city like Fort Smith, where there are many insurers vying for your business, you might stand a better chance of getting a steeper discount than in a tiny rural town like Oark. Either way, bundling your home and auto coverage will lower your premiums and make it easier to manage your bills, while offering the convenience of only having to deal with a single provider when you sign up for your policy.
Leave it to your InsureOne agent to compare car insurance quotes in Arkansas and help you obtain the best coverage available from top-tier carriers with the highest bundling discounts in the area.
What Types of Auto Discounts Are Available in Arkansas?
Even if you are satisfied with your bundling discount, you can get other discounts for car insurance in Arkansas to help lower your premiums as well. These are some of the discounts insurers offer, all of which run concurrently:
- Military
- Anti‑theft
- Defensive driver
- Good driver
- Good student
- Loyalty
What Are the Car Insurance Laws in Arkansas?
Arkansas auto insurance laws mandate that you must have a minimum of 25/50/25 in liability coverage. Insurers must offer you uninsured/underinsured motorist coverage with the right to opt out, unlike in other states, where you must opt in. There is also a requirement for SR-22 insurance in Arkansas for high-risk drivers. Here are some more details on some of these rules:
What Are the Mandatory Car Insurance Requirements in Arkansas?
Governments require drivers to maintain a policy to ensure that other drivers are compensated when they suffer a loss in an accident. Minimum car insurance requirements in Arkansas include the following:
- $25,000 for medical treatment or funeral expenses of one person involved
- $50,000 for medical treatment or funeral expenses if two or more persons are involved
- $25,000 for property damage
You can easily exceed the minimum Arkansas car insurance requirements if you cause a serious accident — $50,000 might not be enough to cover medical expenses for several people, and many vehicles on the road cost more than $25,000. Ask your agent to get you quotes for higher levels of coverage to see how much it would cost to add some extra protection to your policy.
What Is the Penalty for Driving Without Insurance in Arkansas?
Not having auto insurance in Arkansas is a major financial liability. But it is also unfair to insurers and other drivers, because if an uninsured driver causes an accident and does not have the money to pay for damages, the victim or their insurer ends up paying. Therefore, Arkansas car insurance laws come down hard on uninsured drivers and include the following fines and penalties:
- Revoked vehicle registration
- $100 to $250 in fines for a first offense
- $250 to $500 in fines for a second offense
- $500 to $1,000 in fines and possibly up to one year in jail for a third offense
What Factors Does Arkansas Car Insurance Law Allow in Determining Your Premiums?
Insurers use crime rates, crash rates, and many other factors to determine your premiums. While some states are prohibitive in what details they allow insurers to use, the Natural State allows these and many other factors, even though some are not necessarily driving-related:
- Marital status
- Age
- Gender
- Credit history
- Location
- Driving record
- Vehicle type
- Driving experience
What Happens If I Damage Property?
Hydroplaning on the I-40 during heavy rain, low visibility from dense fog in the Arkansas River Valley, and many other situations around the state are unavoidable at times, and you may one day cause an accident. If you are responsible for a crash and you only have a minimum liability policy, your insurer will cover the first $25,000 in damage you cause, but you will have to pay for repairs to your own vehicle.
With full coverage, your insurer will help you fix the damage to your own car. This type of policy gives you the peace of mind of knowing that an accident will not set you back financially. Your InsureOne agent can compare quotes and personalize your policy to get you the best car insurance in Arkansas with features that will bring you comfort as you travel the state.
What Is Driving Like in Arkansas?
Driving in this state is pretty straightforward, but you should always be aware that conditions might not be ideal in certain areas. For example, Little Rock, Fayetteville, and Fort Smith experience congestion and extended rush hours. Outlying areas usually offer smoother travel but also have challenges at times, such as winding roads and ice patches in the Ozark Mountains and heavy fog in the Arkansas River Valley. Strong winds can push debris onto local roads or make driving on highways hazardous.
Make sure to stay informed about these conditions to keep driving safely, avoid unnecessary delays, and stay safe on the roads in this state.
How Many Car Accidents Happen in Arkansas?
According to the Insurance Institute for Highway Safety, there were 596 total fatalities in the Natural State in 2023, of which 37% occurred in urban neighborhoods and 63% in rural areas. Below are fatality statistics from 2023 for individual municipalities within the state:
| City | Total Fatalities |
|---|---|
| Fayetteville | 8 |
| Fort Smith | 14 |
| Jasper | 0 |
| Jonesboro | 5 |
| Little Rock | 51 |
| Mammoth Spring | 0 |
| Mount Ida | 0 |
| Mountainburg | 0 |
| Rogers | 3 |
| Wilson | 0 |
Source: U.S. Department of Transportation National Highway Traffic Safety Administration.
How Many Uninsured/Underinsured Motorists Are in Arkansas?
The number of uninsured drivers in the state continues to drop. The Insurance Information Institute reported that 15.1% did not have coverage in 2022, and that number fell to 12.1% in 2023. Arkansas DMV insurance requirements mandate that insurers include uninsured/underinsured motorist coverage in their policies. Drivers can opt out if they choose, but this is an excellent add-on you should consider keeping to protect yourself from motorists without adequate coverage.
Get the Best Car Insurance in Arkansas Today
At InsureOne, you can expect the white-glove treatment you deserve as you shop for your policies. We show you how to get car insurance in Arkansas and help you customize your coverage so you get the best protection available for you and your family.
Our expert agents offer bilingual services and do all the work necessary to get you personalized policies from top-tier carriers, with the best coverage available. Get a quote online, visit us at an office near you, or call us at (800) 836‑2240 for a quote.
FAQs
How Much Does Car Insurance Cost in Arkansas?
The average for minimum liability policies is $503 in this state and $622 nationally. Full coverage in the state costs $2,723, and nationally, $2,014.
What Are the Minimum Car Insurance Requirements in Arkansas?
The state requires you to obtain at least $25,000 in coverage in case you cause an accident, and somebody gets hurt, $50,000 for multiple injuries in a single accident, and $25,000 for property damages resulting from a crash.
Is Arkansas an At-Fault or No-Fault State for Car Insurance?
Arkansas is an at-fault state. When there is an accident, fault is determined based on circumstances and police reports. The driver found to have caused the accident will have to pay for damages out of pocket or through their insurer.
What Factors Influence Car Insurance Rates in Arkansas?
This state allows insurers to use just about any industry-standard factor, including gender, credit history, and marital status, which are not related to your driving history or experience.