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.

Best Car Insurance Companies in Arkansas

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of 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 in Arkansas

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 State Auto Insurance Laws

Minimum Car Insurance Requirements in Arkansas

Legally, all US drivers are required to carry a minimum level of insurance, but those levels actually do vary from state to state.  In Arkansas drivers need to follow what is known as the 25/50/25 rule when it comes to their insurance policies.

This means that any policy must include at least the following:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per accident
  • $25,000 of coverage for property damage liability per accident

Remember you can purchase more inclusive plans that offer more coverage, but if you want the bare minimum required to keep you legal on the road, make sure your policy has the above protection plan.

Recommended Coverage Levels

Nearly 17 percent of Arkansas drivers have no insurance, the ninth highest rate in the country. In turn, this reality raises rates for insured drivers. It’s also a direct threat on a more personal level. If you are involved in a car crash and the other driver has little or no insurance, the cost of your repairs falls on you. Auto insurance companies offer uninsured coverage to cover your expenses if the other driver can’t.

Minimum liability insurance helps cover the damages you cause to another driver. But it doesn’t provide any aid for your repairs. It’s recommended that you enhance your policy. Also, consider increasing your liability amounts. It doesn’t take much for a crash to cost more than the top payout minimum liability can provide. We suggest you bolster your liability as such:

  • $100,000 Individual Body Injury Liability 
  • $300,000 Total Bodily Injury Liability 

$100,000 Property Damage Liability

Required Proof of Car Insurance

Any time you drive in Arkansas, you must be prepared to show your proof of insurance card to law enforcement upon request. You'll get this card from your car insurance company when you buy a policy.

Failure to provide valid proof of insurance is a traffic infraction. Knowingly providing false evidence of insurance coverage is a misdemeanor.

The Arkansas Department of Finance and Administration (DFA) maintains an electronic database to verify a driver’s car insurance status. When you register your vehicle, you must show proof of insurance or you won’t be able to complete the registration until you can prove that you meet the state’s minimum insurance requirements.

The DFA also conducts a monthly check of all registered vehicles to make sure they're insured. If your car is found to  be uninsured, you'll be asked to provide proof of insurance.

Penalties

Operating a vehicle without the required coverage is a traffic infraction punishable by a fine and possible suspension of your vehicle registration.

Arkansas drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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SR-22 Requirements

Arkansas residents that have had their driver’s license suspended due to DUI convictions or failure to provide proof of insurance to the police must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility. And it certifies that a driver has the minimum amount of insurance required by state law.

Arkansas State law requires that an SR-22 be carried 3 years for a first offense. Second offenses require an SR-22 to be carried for 5 years. Each additional offense doubles the length of the previous requirement. A third offense, for example, would require an SR-22 to be carried for 10 years and a fourth offense would extend this requirement to 20 years.

State of Arkansas Traffic Safety Laws

Distracted Driving Laws

To curb the number of distracted drivers on Arkansas roadways, the state regulates the use of both hands-free and handheld communication devices while operating a motor vehicle.

  • Drivers 18-20 years old are prohibited from using handheld devices
  • Bus drivers can use neither handheld nor hands-free devices
  • Novice drivers are banned from using both handheld and hands-free devices
  • All Arkansas drivers are banned from texting while behind the wheel

Implied Consent Law

Arkansas’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving while under the influence (DUI) of alcohol or controlled substances.

Refuse the test and you’ll face the following penalties as well as those for a DUI:

  • First Offense: 6-month driver’s license revocation
  • Second Offense: 2-year driver’s license revocation
  • Third Offense: 3-year driver’s license revocation

DUI/DUI Law and Penalties

If you drive or operate a motor vehicle in the State of Arkansas with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI/DWI conviction are:

  • Between 24 hours and 1 year in jail
  • A fine of between $150 and $1,000
  • 6-month suspension of driver’s license
  • Required installation of an ignition interlock device

The penalties for a second offense DUI/DWI conviction are:

  • Between 7 days and 1 year in jail
  • A fine of between $400 and $3,000
  • 2-year suspension of driver’s license
  • Required installation of an ignition interlock device

The penalties for a third offense DUI/DWI conviction are:

  • Between 90 days and 1 year in jail
  • A fine of between $900 and $5,000
  • 30-month suspension of driver’s license
  • Required installation of an ignition interlock device

The penalties for a fourth offense or subsequent DUI/DWI conviction are:

  • Between 1 and 6 years in jail
  • A fine of between $900 and $5,000
  • 4-year suspension of driver’s license
  • Required installation of an ignition interlock device

Another thing you can be sure of is that your car insurance rates will increase significantly, that is, if you can even find someone willing to insure you.

Senior Drivers in Arkansas

Arkansas has no special provisions for senior drivers, but all drivers are required to renew their driver license every 4 years.

Vehicles Registered in Another State

When you drive a vehicle in Arkansas that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in Arkansas

Average Arkansas Car Insurance Rates

The average cost of car insurance in Arkansas in 2015, was $736.43 compared to a national average of $889.01. Arkansas is the 36th most expensive state for car insurance.

Car Insurance Risk in Arkansas

Traffic Fatalities

In 2014, there were 466 traffic fatalities in Arkansas, which was a .6% decrease from the state’s 498 traffic fatalities in 2013.

  2010 2011 2012 2013 2014
Total Fatalities 571 551 560 498 466

Vehicle Thefts

Arkansas had 5,601 vehicle thefts reported in 2014, a 1.4% decrease compared to 2013 when 5,678 vehicles were reported stolen. In 2014, the vehicle theft rate was 188.8 per 100,000, a decrease of 1.6% from the 2013 rate of 191.9 per 100,000.

The vehicle theft rate in Arkansas is well below the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles

Some cars are more prone to theft than others, be sure to check the list below to see if your car is a target on the streets.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1995 Chevrolet Pick-Up (Full Size)
  2. 2002 Ford Pick-Up (Full Size)
  3. 1995 GMC Pick-Up (Full Size)
  4. 2001 Dodge Pick-Up (Full Size)
  5. 1997 Honda Accord
  6. 2013 Toyota Camry
  7. 1996 Chevrolet Pick-Up (Small Size)
  8. 2006 Chevrolet Impala
  9. 2000 Ford Mustang
  10. 2014 Nissan Altima

Uninsured Drivers

The percentage of Arkansas residents estimated to be driving without insurance is 15.9%. That ranks Arkansas as #11 among US states and the District of Columbia, much higher than average.

Arkansas Auto Insurance Company Market Share

Source: Arkansas Insurance Department - 2014 Annual Report
Rank Market Share Company
1 5.5% Farm Bureau Mutual Insurance Co. Of AR Inc.
2 5.4% Shelter Mutual Insurance Co.
3 5.2% Southern Farm Bureau Mutual Insurance Company
4 2.5% Allstate Prop & Casualty Insurance Co.
5 2.3% Farmers Insurance Company
6 1.6% Continental Cas. Co.
7 1.5% Progressive Northwestern Insurance Co.
8 1.3% Cincinnati Insurance Co.

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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