Everything You Need to Know About Auto Insurance in Arkansas

Sure, it’s landlocked, bordered by four neighboring states, but Arkansas can boast about the cultural mark it’s made during the past century. One of its former governors, Bill Clinton, became a modern-day U.S. president, and it’s also the birthplace of a massive global retailer with a sunburst logo headquartered in Bentonville.

More than three million people call the Natural State home. The geography is what landed the state that nickname, with terrain that’s split into two halves: the highlands of the northwest, which include the Ozark and Ouachita Mountains, and the lowlands of the southeast, from the Arkansas Timberlands onto the Mississippi River and the Arkansas Delta. Don’t miss visiting the Crystal Bridges Museum of American Art, built by Alice Walton, an heir to the Walmart fortune, in Bentonville, Arkansas.

Expert agents are waiting to help you find the best auto insurance at the best price in Arkansas.

How Much Does Car Insurance Cost in Arkansas?

Annual auto premiums in Arkansas range from $443 for minimum liability insurance to $1,907 for full coverage.

The good news is that, as an Arkansas driver, you’ll pay less for car insurance compared to the national average, which ranges from $622 for minimum to $2,014 for full coverage. Doing the math, Arkansas drivers save $107 to $179 for coverage compared to what you might pay if you lived in another state.

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Reasons Why Insurance Is So Cheap in Arkansas

Premiums are a bit lower in Arkansas compared to national averages, and that’s likely because there are many smaller cities and towns in this state than larger ones. A large city like Little Rock, home to more than 202,000 residents, typically experiences much more traffic and congestion on roadways than a city like Hope, which is home to around 9,010 residents.

Affordable Car Insurance Rates Comparison by Cities in Arkansas

For a comparison of the average monthly premiums drivers pay in different cities across the state, check out our breakdown below.

City Full Coverage Insurance Liability Insurance Coverage
Little Rock $138 $41
Fayetteville $114 $31
Bentonville $108 $31
Rogers $109 $31
Ozark $113 $26

Our average monthly premiums by city are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Arkansas.

How Bundling Your Vehicle and Homeowners Insurance Can Save You Money in Arkansas

Bundling coverage typically lowers premiums by 5% to 25%. This is especially beneficial to homeowners, who tend to pay a higher rate for coverage than renters.

For example, let’s say you own a home in Little Rock or Hot Springs and have Arkansas auto coverage. When you bundle your auto policy with your homeowners insurance, you’ll likely get the complete 25% premium reduction. By comparison, someone renting a house in another town, city, or similar area in the state would likely still see a discount, but it would generally be smaller, say 15% or less.

An InsureOne agent can work with you to build an insurance package that meets your budget and quality expectations. Additionally, working with an InsureOne expert saves you money and time since they do the work of comparing and presenting the best options from top providers for you.

What Types of Auto Discounts Are Available in Arkansas?

You can reduce your premiums by taking advantage of driver discounts. This is especially true when you can apply more than one. Bundling homeowner’s insurance and auto coverage, for example, might lower premiums by up to 25%.

Other rate-reducing discounts include:

  • Military
  • Anti-theft
  • Defensive driver
  • Good driver
  • Good student
  • Loyalty
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Arkansas Car Insurance Laws

In Arkansas, you must have a minimum of 25/50/25 liability coverage. Drivers are also required to always have proof of auto coverage with them. Here’s how these requirements break down.

What Are the Mandatory Car Insurance Requirements in Arkansas?

For Arkansas auto coverage, the minimum coverage an individual can carry is a 25/50/25 liability policy. These minimums are applied to cover expenses if you crash your vehicle. Broken down, the policy would include:

  • $25,000 to cover the medical treatment or funeral expenses of one person involved
  • $50,000 to cover treatment for injuries or deaths if two or more persons are involved
  • $25,000 to pay for property damage

Some drivers request higher coverage amounts on their policies. This safeguards against being underinsured if medical expenses or damages resulting from a crash exceed the minimum policy limits.

What Is the Penalty for Driving Without Insurance in Arkansas?

You’ll face a $250 fine and have your license plate removed from your vehicle the first time you’re caught driving without insurance in this state. Repeat offenders face fines of $500 to $1,000 and registration suspensions. The state also requires those cited for this violation to file proof of insurance with an SR-22 form, which can make insurance premiums skyrocket.

What Factors Does Arkansas Law Allow in Determining Your Premiums?

State law dictates how insurers can calculate premiums. Some factors that are typical across states to determine premiums include:

  • Marital status
  • Age
  • Gender
  • Credit history
  • Location
  • Driving record
  • Vehicle type
  • Driving experience
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What Happens If I Damage Property?

In Arkansas, a basic liability-only policy covers up to $25,000 for property damage. If the damage you caused exceeds that amount, you’ll have to pay the rest out of pocket.

A full coverage policy pays for all repairs to your own vehicle, even if you are at fault.

At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs.

What Is Driving Like in Arkansas?

Arkansas is known for frequent storms and extreme weather events. A typical year usually brings thunderstorms, tornadoes, hail, snow, and ice storms. These weather events don’t just make driving dangerous; they also increase the risk of property damage to your sedan, especially if it’s parked in an area hit by a tornado.

How Many Car Accidents Happen in Arkansas?

In Arkansas, there were 631 fatal crashes resulting in 693 deaths in 2021. The number of 2021 fatal crashes broken down by city are highlighted in the following chart.

City Fatal Crashes in 2021
Little Rock 31
Fayetteville 7
Bentonville 3
Rogers 5
Ozark 2
Conway 5
Darndanelle 0
Marion 3
Hot Springs 5
Benton 7
Jacksonville 4
Searcy 5
Pine Bluff 6

Source: U.S. Department of Transportation National Highway Traffic Safety Administration.

How Many Uninsured/Underinsured Motorists Are in Arkansas?

Close to 20% of drivers in Arkansas drive without auto coverage. In terms of states with the greatest number of uninsured or underinsured drivers, Arkansas ranked no. 8 in 2019.

Get the Best Car Insurance in Arkansas Today

InsureOne offers a one-stop auto insurance shopping experience with expert agents who will listen to your needs and help you find top-quality insurance options that work best for you.

Save time and money by allowing us to do the heavy lifting for you. We’ll research pricing and provide you with several policy options to consider that align with your needs and budget. Get a quote online, visit us at an Arkansas office near you, or call us at (800) 836-2240 for a quote.