Best Auto Insurance Rates in Arkansas

On average, your neighbors pay $61 a month.

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Compare Auto Insurance in Arkansas

The motto of the state of Arkansas is "regnat populus", which means “The people rule” in Latin. The people do rule at QuoteWizard.  With the useful insurance information that we’ve compiled from industry and government sources, the people can have a better understanding of the factors that influence their car insurance rates.

This page will show you which types of coverage are legally required in Arkansas, provide information about the cost of driving including average rates, and share some insights about insurance risk to help protect you and your family.

Average Arkansas Car Insurance Rates

How much is car insurance in Arkansas? Natural State drivers pay less for car insurance than the national average. On average, auto insurance in Arkansas costs $736.43 a year. The national average cost is $889.01.

Prices may vary depending on your driving record, zip code, your car, and the total number of claims filed.

Arkansas (AR) Average Annual Car Insurance Rates
Coverage Rates
Liability $394.13
Collision $321.80
Comprehensive $190.41
Total Cost Per Year $736.43
Price Per Month $61.36
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Arkansas insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Arkansas car insurance rates increased from $665 in 2011 to $736 in 2015, a jump of $71 dollars, or 10.66 percent.

Arkansas average car insurance rates

Buying car insurance in Arkansas should be easy. Unfortunately, it can be the opposite when you shop for it on your own.

Instead of spending hours researching insurers by yourself, let QuoteWizard lend a helping hand. We’ll connect you to the top car insurance companies in the country so you can compare rates. In the end, you’ll not only save time, but also money!

Last year, 32,210 people used QuoteWizard to get a car insurance quote comparison in Arkansas from top insurance companies to find the best rates.

Most Popular Auto Insurance Companies in Arkansas

Last year, these were the most common car insurance companies reported by QuoteWizard users living in Arkansas. Out of the 32,210 Arkansas drivers that used QuoteWizard to request insurance quotes last year, 4,280 had no car insurance.

Top 10 Vehicles

These are the most common vehicles owned by Arkansas drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. GMC Sierra
  4. Ford Ranger
  5. Dodge RAM 1500
  6. Ford Mustang
  7. Ford Taurus
  8. Honda Accord LX/EX
  9. Chevrolet Blazer
  10. Chevrolet Tahoe
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Arkansas Car Insurance Rate Factors

Standard auto insurance in Arkansas is cheaper than other parts of the country.

Low population combined with large rural geography is a big factor here. Fewer people on the roads goes a long way towards keeping the accident rates down.

Arkansas also benefits from the low rate of auto theft. Auto theft is a regional factor that affects the rates of everyone in the area. Keeping that percentage low helps everyone.

There are many regional factors that can affect the auto rates of everyone in the area. They include the percentage of uninsured drivers, driver history, and auto theft rates.

Uninsured Drivers

16.6 percent of AR drivers are uninsured. That puts Arkansas at ninth for most uninsured drivers in the country. This is well above the national average of 13th percent. Having such a high rate can increase premiums for everyone in the state.

Best and Worst Drivers

Our national study found that Arkansas has the seventh best drivers in the country. We compiled this ranking from accident, citation, speeding ticket, and DUI statistics. We applied the same formulas to cities and found that Little Rock ranks as the fifth best driving city. Regions with a history of bad drivers can see an increase in rates. Fortunately, it seems that doesn’t apply to Arkansas.

Most Commonly Stolen Vehicles

Auto theft is a regional factor that affects the rates of everyone in the area. These are top ten most frequently stolen cars in AR. If you own one of them, you may see an increase in your rates.

Source: National Insurance Crime Bureau- 2017 Hot Wheels Report

  1. 2000 Chevrolet Pickup (Full Size)
  2. 2005 Ford Pickup (Full Size)
  3. 2000 GMC Pickup (Full Size)
  4. 1994 Honda Accord
  5. 2004 Dodge Pickup (Full Size)
  6. 2016 Nissan Altima
  7. 2017 Toyota Camry
  8. 2000 Honda Civic
  9. 2006 Chevrolet Impala
  10. 2000 Ford Mustang

Car Insurance Discounts

Insurance companies offer many different incentives to help you save money. Here are some that Arkansas drivers can take advantage of.

  1. Arkansas is home to 27 colleges and universities. If you’re attending one, check with your insurer to see if they offer a good student discount. You can even qualify as a high-schooler.
  2. Do you already have a life, renters, or home policy? Consider bundling your auto insurance with another policy. This will help you save money on both policies.
  3. The average Arkansas household owns two cars. If this sounds like you, see if your insurer has a multi-car discount.
  4. The average commute in Arkansas takes 5 minutes. If you have a short commute, there might be a discount waiting for you.
  5. Have you had your policy for a while? Insurance companies appreciate loyalty. Your insurer might offer a long-term policy discount.

Arkansas Car Insurance Laws

Minimum Car Insurance Requirements in Arkansas

In Arkansas, you are required to have a minimum auto coverage of 25/50/25. This means any policy you get must have:

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per incident: $50,000
  • Property damage liability per incident: $25,000

Recommended Coverage

According to the III, Arkansas has the ninth highest rate of uninsured drivers in the country. Not only does this mean higher insurance rates for all Arkansan drivers, but it puts you at higher risk in the event of a crash. If an uninsured driver crashes into your car, you’re stuck with your own costs. Uninsured/underinsured coverage takes care of this problem. It covers your damages after a crash with an uninsured driver. With Arkansas’ high rate of uninsured drivers, adding such coverage is a must.

Minimum coverage is enough to get you on the road, but it doesn’t cover all the bases. It doesn’t take a big accident for the costs to go over your coverage limit. To prevent this, consider getting:

  • Individual body injury liability: $100,000
  • Total bodily injury liability: $300,000
  • Property damage liability: $100,000

Required Proof of Car Insurance

Upon request from Arkansas law enforcement, you must be able to show proof of insurance. Arkansas permits you to display proof of insurance either by insurance ID card or on your smartphone.

SR-22 Requirements

If your license gets suspended, you’ll need to file an SR-22 form. “SR” is short for safety responsibility. It shows you have the minimum amount of liability insurance required by the state.

Arkansas has two types of SR-22. First there’s the owner’s certificate if you own a car, then there’s the operator’s certificate if you don’t have a car.

Arkansas requires an SR-22 to be carried for a minimum of three years and a maximum of five year.

Totaled Cars with Salvage or Rebuilt Titles

If your car suffers damage and the repair cost is close to or equal to the car’s value, your insurer will deem it a total loss. Total loss vehicles come with a salvage title. If the car is repaired to road-worthiness, it gets a rebuilt title.

Each state has their own laws regarding a totaled car. Arkansas calculates total loss by a percentage of the car’s actual cash value. In the case of AR, it’s 70 percent. This means that if the damages meet or exceed 70 percent of the car’s actual cash value, it is a total loss.

Finding insurance for a rebuilt or salvage vehicle in Arkansas is a challenge. You can expect to pay higher premiums for a rebuilt or salvaged car. This assumes you can find coverage. Some companies don’t cover these titles.

Arkansas Traffic Safety Laws

Distracted Driving

Arkansas allows you to use a phone to make a phone call while driving, but texting is prohibited. Typing and posting on social media is the same as texting under the law. The fine for a first offense is $250 but may be twice that if it is shown that texting caused an accident.

DWI Laws

Driving in Arkansas with a Blood Alcohol Content (BAC) of 0.08 percent or more makes you guilty of Driving While Intoxicated (DWI). Depending on how many offenses you have, penalties include:

  • One to ten years in prison
  • $1,000 to $5,000 in fines
  • 30 days to two years community service

On top of which of the penalties you get, your insurance rates will go up with the first offense, and then more with every DWI afterwards. Our studies shows you can expect to pay $830 more per year for car insurance after a DUI. But that's only if you can find a company to provide coverage.

If you’re having trouble finding insurance after a DWI, check with the Arkansas Automobile Insurance Plan.

Senior Drivers

It’s probable that your auto rates will increase around the time you turn 65. If you have a clean driving record, the increase would be small. However, it would continue to increase as you got older.

If you’re a driver over 70, Arkansas requires you to renew your license in person. There is also a required vision test and possibly a written test.

Cars Registered in Other States

If you drive a car in Arkansas registered in another state, it must have the insurance coverage required by that state. You must also be able to provide proof of insurance to law enforcement upon request.

Arkansas Insurance Department

Website:
Homepage
Insurance Commissioner:
Allen W. Kerr
Insurance Hotline:
(800) 282 - 9134
Office Hours:
Monday - Friday
8:00 am to 4:30 pm
File a Consumer Insurance Complaint
Complaint Page

Sources:

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