Arkansas Car Insurance

Arkansas car insurance costs $121/mo, or $1,458 per year on average, which is only a little more expensive than the national average. Liability coverage is mandatory for all drivers in Arkansas. If you’re caught driving without Arkansas auto insurance coverage you might be subject to fines, may lose your license, or be responsible for paying personal liability costs out of pocket. Get coverage now with our free quote comparison tool below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2020

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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In a nutshell...

  • It’s against the law to drive without car insurance in Arkansas
  • Liability coverage is the least comprehensive form of coverage
  • Almost all of the national brands offer car insurance coverage in Arkansas

Arkansas car insurance laws require all drivers to have car insurance or be subject to fines, possible drivers licenses suspension, personal liability and more.

Take a look at how state minimum car insurance rates vary from state to state.

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While every Arkansas resident is probably attracted by cheap car insurance quotes its essential to understand Arkansas car insurance laws and how much coverage you are buying before choosing any insurer.

Ready to compare car insurance quotes for FREE! Enter your zip code above to start comparing car insurance for FREE!

Which car insurance companies are in Arkansas?

Almost all national brands offer coverage in Arkansas including Progressive, State Farm, Nationwide, Liberty Mutual and Geico.

Let’s take a look at the average monthly car insurance rates.

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Finding a car insurance company will be easy but getting the best car insurance coverage at the most affordable rates can only be accomplished by starting a car insurance comparison search.

Auto insurance rates in Arkansas hover just around the top 20 percent in the nation to try to learn as much as you can about car insurance discounts, policy deductible options and limits of coverage.

Let’s take a closer look at how ZIP codes affect car insurance in Arkansas.

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Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in AR.

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The great thing about car insurance knowledge is it can usually be applied every time you need an auto insurance policy!

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Compare quotes from the top car insurance companies and save

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Arkansas Car Insurance Requirements

Liability coverage is mandatory for all drivers in Arkansas, and your policy must meet at least the minimum state requirements.

While Arkansas car insurance requirements are higher than most states, they are still relativity low compared to the extreme medical costs involved with car accident injuries.

Drivers with just the minimum coverage required by law can potentially be exposed to significant personal liability in the event of an accident, so most Arkansas drivers opt for extended coverage beyond state minimums.

Take a look at these 6 major factors affecting auto insurance rates in Arkansas.

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Arkansas car insurance laws require all drivers to have to least:

Type of Coverage Minimum Policy Coverage
Bodily Injury Liability $25,000 per person / $50,000 per accident
Property Damage $25,000

What type of optional Arkansas car insurance coverage is available?

Every driver needs a car insurance policy to protect personal liability and just meeting state minimum car insurance requirements in Arkansas is not enough to sleep at night.

While these limits are higher than most States and should cover the cost of most minor car accidents a directly injury or collision with a luxury

Who is the cheapest car insurance company in AR? Review the average auto insurance rates by company below:

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Liability insurance does not cover damages to you nor does it help cover the GAP between your car loan balance and the book value of your car. Liability insurance was created to protect other drivers so you should always consider other forms of coverage and increase policy limits.

All car insurance companies offer these options and are usually do not cost a whole lot more than just essential coverage.

Some of the additional forms of coverage drivers can purchase are:

  • Collision/Comprehensive Insurance
  • Rental Car Reimbursement
  • GAP Insurance
  • Uninsured / Underinsured Motorist Coverage

If your financial means allow you to secure car insurance above the state minimum requirements, it’s almost always recommended by most financial advisors.

Who are the largest auto insurance companies in Arkansas?

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Arkansas Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Arkansas
Factors Affecting Car Insurance Rates in Arkansas
Arkansas Car Insurance Rates by Company vs. State Average
Arkansas Car Insurers by Market Share %