Arkansas Car Insurance [Rates + Cheap Coverage Guide]

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Arkansas StatsDetails
Road milesTotal in state: 102,609
Vehicle miles driven: 34,897 million
VehiclesRegistered: 2,680,410
Motor vehicle thefts: 5,772
State population (2018 estimates)4,887,871
Most popular vehicle in stateSierra 1500
Percent of uninsured motorists16.6%
State rank: 9th
Total driving related deaths2008-2017
Speeding fatalities: 116
Drunk driving fatalities: 140
Annual average premiumsLiability: $394.13
Collision: $321.80
Comprehensive: $190.41
Cheapest providerTravelers Home & Marine Ins Co

Isn’t shopping around for an insurance coverage exhausting to start with?

Unlike other shopping experiences, buying insurance coverage requires thorough research of various facets that impact your premium rates in the long run. It’s easy to get a cheap quote these days, however buying from the right insurance carrier involves a detailed analysis.

Before buying, you must be able to answer some basic questions such as – what’s the minimum liability coverage required for your state, what happens if the at-fault party in an accident is uninsured, how much coverage is sufficient for your car or will your insurer pay if your car gets damaged in a storm?

To make the process less daunting for you, we have created this thorough guide that would help you to buy car insurance in Arkansas.

Fun Fact: There’s a legal code that discourages people from pronouncing Arkansas incorrectly (by the way, the correct pronunciation is “Ar-Kan-Saw”)! Now that we have got that right, let’s dive into the guide for car insurance in Arkansas.

If you wish to compare rates in your state, you can use our FREE online tool. Enter your zip code now to get started!

Table of Contents

Arkansas Car Insurance Coverage and Rates

Car insurance coverage requirements vary from state to state, and that’s why it’s important to know the specific coverage that you must buy to drive a car in your state.

In Arkansas, it’s illegal to drive without the minimum coverage or proof of financial responsibility. Also, you must maintain coverage throughout the period you own a motor vehicle.

Now that we have established that you need to buy car insurance if you wish to drive in Arkansas, let’s help you understand the basics of car insurance. In this guide, we would touch on each and every point that would ease the process of buying car insurance for you.

In case you want to compare average premium rates in your state, you can use our FREE comparison tool.

– Arkansas Minimum Car Insurance Requirements

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

To drive a motor vehicle in Arkansas, your car insurance must include bodily injury and property damage coverage.

  • Bodily Injury: If you’re involved in an accident, the bodily injury coverage would cover the cost of medical expenses to the third-party who was injured in the accident. The minimum coverage law in Arkansas requires you to buy insurance that would pay medical expenses up to $25,000 for each injured person with a maximum limit of $50,000 per accident.
  • Property Damage: When you’re involved in an accident, you also end up damaging the third-party’s car for which Arkansas’ minimum coverage law requires you to buy insurance that can pay $25,000 to cover the loss.

Liability coverage also pays for the legal defense cost if the third-party decides to file a lawsuit against you.

Though there are minimum coverage laws in your state, it’s recommended that you buy additional coverage to pay-off the damages in case you’re involved in a major accident.

– Forms of Financial Responsibility

The laws of every state require a motorist to carry proof of financial responsibility which shall be presented as per need.

What does Financial Responsibility mean?

In the auto insurance industry, the financial cost a motorist is liable to pay when he/she causes an accident that leads to injury or damage is known as financial responsibility.

Here are the acceptable forms of financial responsibility in Arkansas:

  • Proof of insurance coverage from an insurer who’s authorized to conduct operations in the state
  • Certificate of self-insurance

– Car Insurance Premiums to Income Ratio in Arkansas

In 2014, the annual per capita disposable income for households in Arkansas was $33,929. And, the average annual premiums for full coverage was around $900 which means the cost of premiums is approximately 2.65 percent of the income.

Though you’re required to pay only $75 per month for full coverage, the ratio of premium cost to income is a bit on the higher side as the national average is around 2.37 percent.

– Core Coverage Auto Premiums in Arkansas

Coverage TypeAnnual Average Premiums (2015)
Liability$394.13
Collision$321.80
Comprehensive$190.41
Combined$906.34

The table shows the average premiums paid by residents of Arkansas in the year 2015, that includes liability, collision and comprehensive coverage. The amount of premium varies from person to person depending on what kind of coverage one chooses.

Note that the state requires you to buy a minimum liability coverage of 25/50/25 which might cost much lower than the average premiums. However, it’s recommended to buy additional coverage to pay-off damages in case you’re involved in a severe accident.

In the Auto Insurance Database Report 2016, published by NAIC, the combined annual auto insurance premium in Arkansas was $950 making it the 24th cheapest state in combined auto premiums. The national average for combined auto premiums was $1,062 in that year.

In its border states, Arkansas ranks third in combined auto premium quotes with better rates than Mississippi, Oklahoma, Texas, and Louisiana.

The premiums charged/discounts awarded by insurance carriers vary from case to case. At times, you might be surprised by the low auto premiums your neighbor is paying, however, there are many factors that determine the cost of your coverage:

  • Driving record
  • Age
  • Gender
  • Geographic location
  • Marital Status
  • Number of years you have been driving
  • Daily usage
  • Type of car

Till now, we have looked mainly at three types of auto coverage – liability, collision, and comprehensive. But, there are other coverage options recommended to cover a few unforeseen circumstances.

Let’s take a look at those options.

– Additional Coverage Options in Arkansas

When buying coverage, you should know whether your state is – an at-fault state or no-fault state?

Arkansas is an at-fault state which means that the person responsible for causing the accident would have to pay the cost of personal injury and property damage.

In Arkansas, if you’re involved in an accident, you would have three options to claim damages:

  • You can ask the at-fault party to file a third-party claim that would pay damages incurred in the accident
  • You can also ask your own insurer to pay for the damages (your policy should have coverage to pay for your damages)
  • You can also file a lawsuit against the at-fault party in a civil court

In no-fault states, motorists can only turn to their own insurer to pay-off damages irrespective of who was at fault. The personal injury protection coverage is required in these states to cover for any injury or damages arising from accidents.

Drivers in Arkansas needn’t worry about reaching out to their own insurer, because the at-fault party is liable to pay damages.

Arkansas is considered an add-on state when it comes to no-fault laws. This means that drivers in Arkansas have a choice in buying the personal injury protection coverage – they can either refuse it or add it.

Loss Ratio201320142015
Personal Injury Protection28.65%-94.17%
Medical Payments89.94%83.09%80.99%
Uninsured/Underinsured Motorist70.23%68.12%83.37%

Optional coverage, such as Medical Payment, Personal Injury Protection, Uninsured/Underinsured Motorist Insurance, aren’t mandatory in Arkansas. These options, however, help you in circumstances that are completely unpredictable.

For instance, how would you feel if you get hit by a motorist who’s uninsured and your policy doesn’t have coverage to pay for your loss? These additional coverage options help you when the at-fault party is unable to claim third-party damages.

As per estimates, Arkansas ranked ninth among states with the highest percentage of uninsured motorists in 2015. Around 16.6 percent of the motorists are uninsured on the roads you’re driving on!

That’s not a small percentage of people driving without an auto insurance policy and that should be a cause of worry to you.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

You can also watch this interesting video on why additional coverage matters for drivers in Arkansas.

– Add-ons, Endorsements, and Riders in Arkansas

Getting the right coverage at the cheapest rate is something that everyone aims for. While that approach makes us happy, you should also know about the add-ons and riders that you can add to your policy.

It’s always wise to be aware of what is available in the market. Do browse through the following coverage options that might save you from an unexpected cost in the future.

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance
  • Pay-As-You-Drive or Usage-Based Insurance

– Male vs Female Car Insurance Premiums in Arkansas

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate P&C$2,908.00$2,928.74$2,593.49$2,774.39$10,596.85$12,699.62$3,211.86$3,487.30
Farmers Ins Co$2,316.82$2,306.44$2,070.77$2,176.91$9,693.38$10,046.95$2,654.22$2,797.50
Geico General$2,536.43$2,508.78$2,340.15$2,274.76$6,588.67$6,607.80$2,492.72$2,527.69
Safeco Ins Co of IL$2,324.12$2,488.44$2,220.47$2,477.39$8,280.70$9,115.49$2,511.18$2,626.04
Nationwide Mutual$2,629.04$2,679.98$2,359.97$2,495.08$6,363.21$8,114.04$3,008.14$3,244.81
Progressive NorthWestern$2,820.71$2,675.07$2,318.03$2,422.91$11,868.05$13,373.52$3,372.76$3,645.70
State Farm Mutual Auto$1,757.39$1,757.39$1,571.32$1,571.32$5,051.46$6,355.63$1,979.45$2,268.23
Travelers Home & Marine Ins Co$2,222.90$2,265.25$2,194.96$2,201.72$12,955.34$20,822.43$2,377.54$2,746.50
USAA$1,336.55$1,349.38$1,240.31$1,248.11$4,210.03$4,407.45$1,721.30$1,855.30

Across the country, its widely believed that men and women are charged different rates even if they have the same profile and driving history.

As per the table above, the rates for males and females are almost similar in the 35-60-year-old age group. However, auto premiums are significantly higher for males in the 17-25-year-old categories.

There are many factors involved in calculating rates which take into account the demographics. However, almost 48 percent of people in America think that insurers charge higher premiums from men than women.

– Most Expensive/Least Expensive Rates by Zip Code in Arkansas

ZipcodeHighRankCompared to AverageCity
72202$5,258.221$947.87LITTLE ROCK
72204$5,217.132$906.78LITTLE ROCK
72201$5,204.573$894.22LITTLE ROCK
72209$5,126.924$816.57LITTLE ROCK
72206$5,108.305$797.95LITTLE ROCK
72332$5,062.516$752.16EDMONDSON
72114$5,032.257$721.90NORTH LITTLE ROCK
72205$5,026.068$715.71LITTLE ROCK
72342$4,977.379$667.02HELENA
72169$4,975.2910$664.94TUPELO
72390$4,952.7611$642.41WEST HELENA
72227$4,927.2712$616.92LITTLE ROCK
72355$4,905.1213$594.77LEXA
71759$4,903.4814$593.13NORPHLET
72322$4,884.8515$574.50CALDWELL
72210$4,881.6516$571.30LITTLE ROCK
71823$4,870.7317$560.38BEN LOMOND
72037$4,854.0918$543.74COY
72462$4,847.2019$536.85REYNO
72369$4,839.9020$529.55ONEIDA
72211$4,837.0521$526.70LITTLE ROCK
72312$4,825.9122$515.56BARTON
72374$4,818.7323$508.38POPLAR GROVE
72135$4,810.7024$500.35ROLAND
72366$4,805.0625$494.71MARVELL
72383$4,803.9526$493.60TURNER
72207$4,781.6327$471.28LITTLE ROCK
72223$4,775.2128$464.86LITTLE ROCK
72212$4,764.9529$454.60LITTLE ROCK
72328$4,743.0830$432.73CRUMROD
71601$4,737.6231$427.27PINE BLUFF
72065$4,722.9732$412.62HENSLEY
72360$4,720.8133$410.46MARIANNA
72103$4,720.7034$410.35MABELVALE
72367$4,719.4935$409.14MELLWOOD
72333$4,698.8236$388.47ELAINE
71603$4,696.5437$386.19PINE BLUFF
72118$4,696.0038$385.65NORTH LITTLE ROCK
72113$4,687.5839$377.23MAUMELLE
71646$4,685.7440$375.39HAMBURG
72132$4,665.5541$355.20REDFIELD
72180$4,664.7542$354.40WOODSON
72376$4,662.6843$352.33PROCTOR
72142$4,659.0544$348.70SCOTT
72389$4,658.6145$348.26WABASH
72183$4,652.3446$341.99WRIGHTSVILLE
71675$4,640.3547$330.00WILMAR
71654$4,640.0748$329.72MC GEHEE
71635$4,639.8049$329.45CROSSETT
72348$4,639.6250$329.27HUGHES
71663$4,636.1851$325.83PORTLAND
72341$4,632.4352$322.08HAYNES
72320$4,626.6253$316.27BRICKEYS
72311$4,625.8854$315.53AUBREY
71659$4,623.9255$313.57MOSCOW
71666$4,623.2356$312.88MC GEHEE
71667$4,623.0857$312.73STAR CITY
71676$4,608.1158$297.76WILMOT
71956$4,607.6559$297.30MOUNTAIN PINE
71678$4,606.4760$296.12YORKTOWN
72133$4,605.4761$295.12REYDELL
72164$4,605.0362$294.68SWEET HOME
72117$4,600.2063$289.85NORTH LITTLE ROCK
71968$4,594.8864$284.53ROYAL
71674$4,594.0465$283.69WATSON
72368$4,591.9666$281.61MORO
72011$4,589.1967$278.84BAUXITE
71964$4,584.6968$274.34PEARCY
72022$4,580.7769$270.42BRYANT
71630$4,580.0270$269.67ARKANSAS CITY
71658$4,577.1271$266.77MONTROSE
71602$4,574.9572$264.60WHITE HALL
71901$4,572.5273$262.17HOT SPRINGS NATIONAL PARK
71913$4,572.2874$261.93HOT SPRINGS NATIONAL PARK
71661$4,571.9875$261.63PARKDALE
72120$4,567.4876$257.13SHERWOOD
72339$4,566.9177$256.56GILMORE
71677$4,564.6178$254.26WINCHESTER
71639$4,562.6279$252.27DUMAS
72122$4,561.6780$251.32PARON
72002$4,561.0681$250.71ALEXANDER
72129$4,560.6882$250.33PRATTSVILLE
71640$4,552.1683$241.81EUDORA
72379$4,548.5484$238.19SNOW LAKE
71653$4,548.1285$237.77LAKE VILLAGE
71655$4,545.2686$234.91MONTICELLO
72384$4,545.1687$234.81TURRELL
71643$4,543.2688$232.91GOULD
71929$4,537.9589$227.60BISMARCK
72128$4,537.6690$227.31POYEN
72364$4,536.3891$226.03MARION
71949$4,534.2592$223.90JESSIEVILLE
72087$4,530.7093$220.35LONSDALE
71662$4,529.4794$219.12PICKENS
72327$4,529.0495$218.69CRAWFORDSVILLE
71642$4,525.4796$215.12FOUNTAIN HILL
72116$4,519.6197$209.26NORTH LITTLE ROCK
72079$4,516.9498$206.59JEFFERSON
72152$4,516.1099$205.75SHERRILL
72340$4,515.88100$205.53GOODWIN
71854$4,513.94101$203.59TEXARKANA
72550$4,512.58102$202.23LOCUST GROVE
71671$4,508.56103$198.21WARREN
71837$4,507.34104$196.99FOUKE
72168$4,507.24105$196.89TUCKER
72301$4,505.95106$195.60WEST MEMPHIS
72373$4,501.51107$191.16PARKIN
72015$4,500.61108$190.26BENTON
71644$4,500.41109$190.06GRADY
72046$4,498.76110$188.41ENGLAND
72076$4,496.83111$186.48JACKSONVILLE
71652$4,496.55112$186.20KINGSLAND
72072$4,494.92113$184.57HUMNOKE
72019$4,492.40114$182.05BENTON
71670$4,491.50115$181.15TILLAR
72353$4,489.32116$178.97LAMBROOK
72331$4,487.73117$177.38EARLE
71826$4,485.15118$174.80BRADLEY
72677$4,483.05119$172.70SUMMIT
71748$4,481.25120$170.90IVAN
72352$4,481.15121$170.80LA GRANGE
72329$4,478.44122$168.09DRIVER
72377$4,478.24123$167.89RIVERVALE
72472$4,477.35124$167.00TRUMANN
72105$4,475.74125$165.39JONES MILL
71909$4,473.76126$163.41HOT SPRINGS VILLAGE
71933$4,472.41127$162.06BONNERDALE
72150$4,471.59128$161.24SHERIDAN
72396$4,471.18129$160.83WYNNE
72346$4,470.09130$159.74HETH
72175$4,466.41131$156.06WABBASEKA
71660$4,464.60132$154.25NEW EDINBURG
72527$4,462.88133$152.53DESHA
71638$4,459.82134$149.47DERMOTT
72004$4,458.72135$148.37ALTHEIMER
71747$4,454.98136$144.63HUTTIG
72568$4,454.88137$144.53PLEASANT PLAINS
71943$4,454.59138$144.24GLENWOOD
72391$4,445.11139$134.76WEST RIDGE
72167$4,442.94140$132.59TRASKWOOD
71935$4,441.21141$130.86CADDO GAP
72099$4,438.82142$128.47LITTLE ROCK AIR FORCE BASE
71952$4,436.58143$126.23LANGLEY
71647$4,434.94144$124.59HERMITAGE
71845$4,433.17145$122.82LEWISVILLE
71631$4,432.41146$122.06BANKS
71651$4,432.18147$121.83JERSEY
72084$4,426.56148$116.21LEOLA
71921$4,423.61149$113.26AMITY
72529$4,420.89150$110.54CHEROKEE VILLAGE
72386$4,420.76151$110.41TYRONZA
72387$4,420.36152$110.01VANNDALE
71665$4,418.71153$108.36RISON
72350$4,418.22154$107.87JOINER
72566$4,416.53155$106.18PINEVILLE
71765$4,415.74156$105.39STRONG
71861$4,414.24157$103.89TAYLOR
72467$4,413.74158$103.39STATE UNIVERSITY
72534$4,412.63159$102.28FLORAL
71950$4,408.57160$98.22KIRBY
72069$4,408.36161$98.01HOLLY GROVE
71840$4,407.42162$97.07GENOA
72313$4,407.30163$96.95BASSETT
71834$4,406.66164$96.31DODDRIDGE
72338$4,406.40165$96.05FRENCHMANS BAYOU
72395$4,400.92166$90.57WILSON
71750$4,400.43167$90.08LAWSON
72166$4,399.91168$89.56TICHNOR
72432$4,399.73169$89.38HARRISBURG
71749$4,398.46170$88.11JUNCTION CITY
72556$4,397.19171$86.84MELBOURNE
72016$4,397.16172$86.81BIGELOW
72470$4,395.24173$84.89SUCCESS
72513$4,394.06174$83.71ASH FLAT
71762$4,393.43175$83.08SMACKOVER
72365$4,393.07176$82.72MARKED TREE
72123$4,391.95177$81.60PATTERSON
71853$4,391.76178$81.41OGDEN
72325$4,391.01179$80.66CLARKEDALE
72057$4,390.64180$80.29GRAPEVINE
72392$4,389.38181$79.03WHEATLEY
72140$4,389.02182$78.67SAINT CHARLES
72104$4,388.93183$78.58MALVERN
71940$4,387.93184$77.58DELIGHT
71839$4,387.13185$76.78GARLAND CITY
72394$4,386.82186$76.47WIDENER
72567$4,386.06187$75.71PLEASANT GROVE
72321$4,385.93188$75.58BURDETTE
72501$4,384.83189$74.48BATESVILLE
71959$4,383.76190$73.41NEWHOPE
71770$4,383.55191$73.20WALDO
72561$4,383.38192$73.03MOUNT PLEASANT
71971$4,382.90193$72.55UMPIRE
72023$4,381.62194$71.27CABOT
72039$4,380.78195$70.43DAMASCUS
72530$4,380.43196$70.08DRASCO
72577$4,380.29197$69.94SIDNEY
71965$4,379.91198$69.56PENCIL BLUFF
72335$4,378.81199$68.46FORREST CITY
72521$4,378.31200$67.96CAVE CITY
72523$4,378.10201$67.75CONCORD
71725$4,376.51202$66.16CARTHAGE
72569$4,374.32203$63.97POUGHKEEPSIE
72422$4,374.23204$63.88CORNING
71831$4,372.11205$61.76COLUMBUS
71724$4,371.60206$61.25CALION
71860$4,370.98207$60.63STAMPS
72126$4,370.71208$60.36PERRYVILLE
71758$4,370.34209$59.99MOUNT HOLLY
72048$4,369.83210$59.48ETHEL
71832$4,369.45211$59.10DE QUEEN
72417$4,366.37212$56.02BROOKLAND
72475$4,365.95213$55.60WALDENBURG
71842$4,365.64214$55.29HORATIO
72137$4,364.56215$54.21ROSE BUD
72101$4,364.10216$53.75MC CRORY
72526$4,363.87217$53.52CUSHMAN
71753$4,363.78218$53.43MAGNOLIA
71957$4,363.52219$53.17MOUNT IDA
72579$4,363.51220$53.16SULPHUR ROCK
72522$4,362.74221$52.39CHARLOTTE
72007$4,361.83222$51.48AUSTIN
71969$4,361.56223$51.21SIMS
71764$4,359.89224$49.54STEPHENS
71923$4,359.45225$49.10ARKADELPHIA
72429$4,359.38226$49.03FISHER
71742$4,359.07227$48.72FORDYCE
72066$4,358.09228$47.74HICKORY PLAINS
72542$4,357.30229$46.95HARDY
72411$4,356.13230$45.78BAY
71958$4,355.75231$45.40MURFREESBORO
72517$4,354.93232$44.58BROCKWELL
72179$4,354.12233$43.77WILBURN
71730$4,354.09234$43.74EL DORADO
72540$4,352.91235$42.56GUION
72131$4,352.90236$42.55QUITMAN
71970$4,352.86237$42.51STORY
72401$4,352.85238$42.50JONESBORO
71836$4,352.65239$42.30FOREMAN
72372$4,352.49240$42.14PALESTINE
72572$4,351.39241$41.04SAFFELL
72052$4,351.33242$40.98GARNER
72024$4,350.95243$40.60CARLISLE
72441$4,349.96244$39.61MC DOUGAL
71961$4,349.58245$39.23ODEN
71941$4,348.71246$38.36DONALDSON
72421$4,348.12247$37.77CASH
71960$4,347.73248$37.38NORMAN
72326$4,346.01249$35.66COLT
71922$4,343.99250$33.64ANTOINE
72324$4,343.15251$32.80CHERRY VALLEY
72182$4,342.75252$32.40WRIGHT
72478$4,341.24253$30.89WARM SPRINGS
72424$4,340.45254$30.10DATTO
72086$4,340.18255$29.83LONOKE
72021$4,340.03256$29.68BRINKLEY
72562$4,339.82257$29.47NEWARK
72074$4,339.20258$28.85HUNTER
72136$4,339.09259$28.74ROMANCE
72571$4,338.89260$28.54ROSIE
71833$4,338.75261$28.40DIERKS
71820$4,337.63262$27.28ALLEENE
72425$4,337.46263$27.11DELAPLAINE
72106$4,337.22264$26.87MAYFLOWER
71801$4,336.42265$26.07HOPE
72165$4,335.90266$25.55THIDA
71847$4,333.67267$23.32MC CASKILL
72584$4,333.25268$22.90VIOLET HILL
72347$4,332.54269$22.19HICKORY RIDGE
72435$4,330.24270$19.89KNOBEL
72469$4,329.82271$19.47STRAWBERRY
72173$4,328.41272$18.06VILONIA
72443$4,326.39273$16.04MARMADUKE
72479$4,326.17274$15.82WEINER
72139$4,325.99275$15.64RUSSELL
71744$4,325.90276$15.55HAMPTON
71862$4,323.06277$12.71WASHINGTON
72085$4,321.75278$11.40LETONA
71751$4,321.58279$11.23LOUANN
72051$4,320.63280$10.28FOX
71962$4,319.40281$9.05OKOLONA
71825$4,319.21282$8.86BLEVINS
71932$4,318.53283$8.18BOARD CAMP
72450$4,317.69284$7.34PARAGOULD
72464$4,317.36285$7.01SAINT FRANCIS
72573$4,317.27286$6.92SAGE
71859$4,316.40287$6.05SARATOGA
71942$4,316.30288$5.95FRIENDSHIP
71999$4,315.86289$5.51ARKADELPHIA
72404$4,313.33290$2.98JONESBORO
72456$4,312.53291$2.18POLLARD
71822$4,312.26292$1.91ASHDOWN
72416$4,311.60293$1.25BONO
71841$4,309.61295-$0.74GILLHAM
72532$4,309.49296-$0.86EVENING SHADE
72585$4,308.81297-$1.54WIDEMAN
71740$4,308.40298-$1.95EMERSON
71745$4,308.35299-$2.00HARRELL
72005$4,307.61300-$2.74AMAGON
71835$4,307.22301-$3.13EMMET
72528$4,307.16302-$3.19DOLPH
72111$4,306.81303-$3.54MOUNT VERNON
72067$4,306.44304-$3.91HIGDEN
71838$4,306.03305-$4.32FULTON
72014$4,304.05306-$6.30BEEDEVILLE
72143$4,302.94307-$7.41SEARCY
72453$4,302.64308-$7.71PEACH ORCHARD
72564$4,302.61309-$7.74OIL TROUGH
72176$4,302.33310-$8.02WARD
72457$4,301.58311-$8.77PORTIA
72449$4,301.16312-$9.19O KEAN
72466$4,300.43313-$9.92SMITHVILLE
72860$4,300.43313-$9.92ROVER
72412$4,300.15315-$10.20BEECH GROVE
72414$4,300.06316-$10.29BLACK OAK
72436$4,299.71317-$10.64LAFE
72036$4,299.57318-$10.78COTTON PLANT
72354$4,299.49319-$10.86LEPANTO
72038$4,298.59320-$11.76CROCKETTS BLUFF
72459$4,298.37321-$11.98RAVENDEN
72515$4,297.89322-$12.46BEXAR
71846$4,297.73323-$12.62LOCKESBURG
72081$4,297.50324-$12.85JUDSONIA
71763$4,297.44325-$12.91SPARKMAN
72482$4,296.92326-$13.43WILLIFORD
72430$4,296.38327-$13.97GREENWAY
72444$4,296.17328-$14.18MAYNARD
72073$4,295.21329-$15.14HUMPHREY
71920$4,294.85330-$15.50ALPINE
71866$4,294.16331-$16.19WINTHROP
71726$4,293.61332-$16.74CHIDESTER
71766$4,293.44333-$16.91THORNTON
72554$4,292.78334-$17.57MAMMOTH SPRING
72474$4,292.01335-$18.34WALCOTT
72645$4,291.49336-$18.86LESLIE
71828$4,290.30337-$20.05CALE
71827$4,290.04338-$20.31BUCKNER
72040$4,289.31339-$21.04DES ARC
72555$4,289.12340-$21.23MARCELLA
72030$4,288.71341-$21.64CLEVELAND
71752$4,288.19342-$22.16MC NEIL
72828$4,287.99343-$22.36BRIGGSVILLE
72047$4,287.50344-$22.85ENOLA
72127$4,287.25345-$23.10PLUMERVILLE
72539$4,287.25345-$23.10GLENCOE
71998$4,287.01347-$23.34ARKADELPHIA
72583$4,286.94348-$23.41VIOLA
72533$4,286.54349-$23.81FIFTY SIX
72055$4,286.47350-$23.88GILLETT
72440$4,284.84351-$25.51LYNN
71864$4,283.36352-$26.99WILLISVILLE
71865$4,281.85353-$28.50WILTON
71728$4,281.00354-$29.35CURTIS
72428$4,279.58355-$30.77ETOWAH
72447$4,279.47356-$30.88MONETTE
71855$4,279.31357-$31.04OZAN
72310$4,276.96358-$33.39ARMOREL
72178$4,276.22359-$34.13WEST POINT
72351$4,275.97360-$34.38KEISER
72536$4,275.78361-$34.57FRANKLIN
72512$4,274.75362-$35.60HORSESHOE BEND
72587$4,274.56363-$35.79WISEMAN
71701$4,274.00364-$36.35CAMDEN
72581$4,273.67365-$36.68TUMBLING SHOALS
72025$4,272.04366-$38.31CASA
72663$4,272.04366-$38.31ONIA
71852$4,271.28368-$39.07NASHVILLE
72112$4,270.58369-$39.77NEWPORT
72006$4,270.50370-$39.85AUGUSTA
71772$4,270.26371-$40.09WHELEN SPRINGS
72543$4,269.73372-$40.62HEBER SPRINGS
71743$4,269.02373-$41.33GURDON
72010$4,267.46374-$42.89BALD KNOB
72576$4,267.17375-$43.18SALEM
72026$4,266.55376-$43.80CASSCOE
72465$4,266.14377-$44.21SEDGWICK
71858$4,265.53378-$44.82ROSSTON
72061$4,265.36379-$44.99GUY
71851$4,264.91380-$45.44MINERAL SPRINGS
72107$4,264.21381-$46.14MENIFEE
71720$4,264.13382-$46.22BEARDEN
72058$4,263.55383-$46.80GREENBRIER
72413$4,262.90384-$47.45BIGGERS
72358$4,261.87385-$48.48LUXORA
72013$4,260.89386-$49.46BEE BRANCH
72020$4,260.78387-$49.57BRADFORD
72075$4,260.78387-$49.57JACKSONPORT
72680$4,260.18389-$50.17TIMBO
72431$4,253.84390-$56.51GRUBBS
72560$4,252.72391-$57.63MOUNTAIN VIEW
72538$4,252.67392-$57.68GEPP
72520$4,252.39393-$57.96CAMP
72031$4,252.08394-$58.27CLINTON
72082$4,252.08394-$58.27KENSETT
72410$4,252.02396-$58.33ALICIA
72330$4,251.26397-$59.09DYESS
72044$4,250.62398-$59.73EDGEMONT
71721$4,249.70399-$60.65BEIRNE
72455$4,249.67400-$60.68POCAHONTAS
72546$4,249.43401-$60.92IDA
72102$4,248.61402-$61.74MC RAE
72437$4,248.21403-$62.14LAKE CITY
72857$4,244.81404-$65.54PLAINVIEW
72083$4,243.64405-$66.71KEO
72565$4,242.75406-$67.60OXFORD
72524$4,241.46407-$68.89CORD
71722$4,239.50408-$70.85BLUFF CITY
72419$4,237.32409-$73.03CARAWAY
71972$4,236.43410-$73.92VANDERVOORT
72519$4,235.40411-$74.95CALICO ROCK
72064$4,234.06412-$76.29HAZEN
71857$4,232.80413-$77.55PRESCOTT
72473$4,232.43414-$77.92TUCKERMAN
72130$4,232.35415-$78.00PRIM
72134$4,231.73416-$78.62ROE
72029$4,230.90417-$79.45CLARENDON
72041$4,230.20418-$80.15DE VALLS BLUFF
72442$4,228.40419-$81.95MANILA
72461$4,227.87420-$82.48RECTOR
72471$4,226.92421-$83.43SWIFTON
72838$4,223.51422-$86.84GRAVELLY
72042$4,220.47423-$89.88DE WITT
72438$4,219.63424-$90.72LEACHVILLE
72121$4,219.61425-$90.74PANGBURN
72027$4,219.54426-$90.81CENTER RIDGE
72458$4,218.84427-$91.51POWHATAN
72476$4,218.14428-$92.21WALNUT RIDGE
72068$4,216.60429-$93.75HIGGINSON
72149$4,215.47430-$94.88SEARCY
72012$4,213.67431-$96.68BEEBE
72059$4,212.98432-$97.37GREGORY
71944$4,211.68433-$98.67GRANNIS
72827$4,211.68433-$98.67BLUFFTON
72578$4,210.70435-$99.65STURKIE
72017$4,209.07436-$101.28BISCOE
72445$4,208.69437-$101.66MINTURN
72181$4,205.64438-$104.71WOOSTER
72153$4,203.90439-$106.45SHIRLEY
72639$4,203.86440-$106.49HARRIET
72531$4,202.56441-$107.79ELIZABETH
72157$4,201.58442-$108.77SPRINGFIELD
72170$4,200.16443-$110.19ULM
72657$4,199.75444-$110.60TIMBO
72926$4,198.80445-$111.55BOLES
72156$4,197.90446-$112.45SOLGOHACHIA
72426$4,197.17447-$113.18DELL
72370$4,196.67448-$113.68OSCEOLA
72841$4,195.98449-$114.37HARVEY
72315$4,195.93450-$114.42BLYTHEVILLE
72950$4,195.17451-$115.18PARKS
72035$4,189.97452-$120.38CONWAY
72433$4,189.84453-$120.51HOXIE
72003$4,189.17454-$121.18ALMYRA
72629$4,189.05455-$121.30DENNARD
72853$4,185.56456-$124.79OLA
72948$4,184.77457-$125.58NATURAL DAM
72824$4,183.92458-$126.43BELLEVILLE
72060$4,182.50459-$127.85GRIFFITHVILLE
72088$4,182.28460-$128.07FAIRFIELD BAY
72160$4,180.15461-$130.20STUTTGART
72460$4,179.30462-$131.05RAVENDEN SPRINGS
72045$4,173.50463-$136.85EL PASO
71973$4,172.26464-$138.09WICKES
72955$4,168.22465-$142.13UNIONTOWN
72833$4,167.00466-$143.35DANVILLE
72670$4,165.51467-$144.84PONCA
72032$4,164.98468-$145.37CONWAY
72141$4,164.37469-$145.98SCOTLAND
72454$4,163.33470-$147.02PIGGOTT
72125$4,163.32471-$147.03PERRY
72434$4,162.22472-$148.13IMBODEN
72063$4,159.89473-$150.46HATTIEVILLE
72944$4,157.56474-$152.79MANSFIELD
72415$4,154.89475-$155.46BLACK ROCK
72952$4,153.70476-$156.65RUDY
71937$4,149.70477-$160.65COVE
72080$4,147.51478-$162.84JERUSALEM
72001$4,144.29479-$166.06ADONA
72834$4,143.98480-$166.37DARDANELLE
72034$4,141.28481-$169.07CONWAY
72070$4,139.51482-$170.84HOUSTON
72110$4,129.02483-$181.33MORRILTON
72947$4,125.55484-$184.80MULBERRY
71953$4,125.41485-$184.94MENA
72760$4,124.55486-$185.80SAINT PAUL
71945$4,121.33487-$189.02HATFIELD
72958$4,119.59488-$190.76WALDRON
72946$4,117.05489-$193.30MOUNTAINBURG
72945$4,111.32490-$199.03MIDLAND
72934$4,109.80491-$200.55CHESTER
72851$4,106.36492-$203.99NEW BLAINE
72776$4,096.92493-$213.43WITTER
72623$4,094.09494-$216.26CLARKRIDGE
72648$4,093.30495-$217.05MARBLE FALLS
72638$4,091.69496-$218.66GREEN FOREST
72655$4,084.91497-$225.44MOUNT JUDEA
72730$4,082.17498-$228.18FARMINGTON
72921$4,082.14499-$228.21ALMA
72641$4,076.90500-$233.45JASPER
72940$4,075.82501-$234.53HUNTINGTON
72611$4,074.69502-$235.66ALPENA
72701$4,073.71503-$236.64FAYETTEVILLE
72956$4,073.61504-$236.74VAN BUREN
72650$4,073.49505-$236.86MARSHALL
72703$4,069.50506-$240.85FAYETTEVILLE
72686$4,069.39507-$240.96WITTS SPRINGS
72740$4,069.22508-$241.13HUNTSVILLE
72679$4,069.00509-$241.35TILLY
72846$4,068.62510-$241.73LAMAR
72632$4,068.20511-$242.15EUREKA SPRINGS
72683$4,066.30512-$244.05VENDOR
72721$4,062.33513-$248.02COMBS
72932$4,061.79514-$248.56CEDARVILLE
72842$4,058.48515-$251.87HAVANA
72669$4,055.96516-$254.39PINDALL
72738$4,049.14517-$261.21HINDSVILLE
72901$4,044.87518-$265.48FORT SMITH
72904$4,044.84519-$265.51FORT SMITH
72928$4,043.76520-$266.59BRANCH
72640$4,042.48521-$267.87HASTY
72662$4,035.80522-$274.55OMAHA
72938$4,033.74523-$276.61HARTFORD
72668$4,032.18524-$278.17PEEL
72660$4,030.61525-$279.74OAK GROVE
72717$4,029.83526-$280.52CANEHILL
72544$4,028.79527-$281.56HENDERSON
72718$4,028.39528-$281.96CAVE SPRINGS
72856$4,027.89529-$282.46PELSOR
72727$4,027.29530-$283.06ELKINS
72843$4,026.28531-$284.07HECTOR
72737$4,024.93532-$285.42GREENLAND
72916$4,021.77533-$288.58FORT SMITH
72774$4,021.49534-$288.86WEST FORK
72802$4,021.12535-$289.23RUSSELLVILLE
72762$4,018.82536-$291.53SPRINGDALE
72704$4,018.66537-$291.69FAYETTEVILLE
72858$4,018.63538-$291.72POTTSVILLE
72927$4,017.37539-$292.98BOONEVILLE
72933$4,015.50540-$294.85CHARLESTON
72616$4,014.47541-$295.88BERRYVILLE
72863$4,013.74542-$296.61SCRANTON
72764$4,013.67543-$296.68SPRINGDALE
72845$4,012.64544-$297.71KNOXVILLE
72930$4,012.59545-$297.76CECIL
72628$4,011.57546-$298.78DEER
72736$4,011.25547-$299.10GRAVETTE
72837$4,011.25547-$299.10DOVER
72835$4,010.14549-$300.21DELAWARE
72659$4,009.98550-$300.37NORFORK
72739$4,008.74551-$301.61HIWASSE
72624$4,008.26552-$302.09COMPTON
72852$4,007.37553-$302.98OARK
72751$4,003.33554-$307.02PEA RIDGE
72617$4,003.29555-$307.06BIG FLAT
72753$4,002.89556-$307.46PRAIRIE GROVE
72756$4,001.09557-$309.26ROGERS
72666$4,000.84558-$309.51PARTHENON
72823$4,000.46559-$309.89ATKINS
72773$4,000.18560-$310.17WESLEY
72854$3,999.19561-$311.16OZONE
72923$3,997.34562-$313.01BARLING
72749$3,997.10563-$313.25MORROW
72744$3,996.66564-$313.69LINCOLN
72908$3,993.42565-$316.93FORT SMITH
72631$3,991.15566-$319.20EUREKA SPRINGS
72685$3,990.73567-$319.62WESTERN GROVE
72865$3,989.62568-$320.73SUBIACO
72769$3,989.32569-$321.03SUMMERS
72752$3,988.29570-$322.06PETTIGREW
72672$3,988.20571-$322.15PYATT
72732$3,986.79572-$323.56GARFIELD
72537$3,986.11573-$324.24GAMALIEL
72959$3,986.03574-$324.32WINSLOW
72936$3,984.76575-$325.59GREENWOOD
72714$3,984.36576-$325.99BELLA VISTA
72675$3,983.75577-$326.60SAINT JOE
72722$3,982.71578-$327.64DECATUR
72715$3,980.31579-$330.04BELLA VISTA
72903$3,978.88580-$331.47FORT SMITH
72729$3,977.95581-$332.40EVANSVILLE
72855$3,976.22582-$334.13PARIS
72615$3,972.77583-$337.58BERGMAN
72734$3,970.07584-$340.28GENTRY
72742$3,966.97585-$343.38KINGSTON
72651$3,966.71586-$343.64MIDWAY
72937$3,966.18587-$344.17HACKETT
72735$3,964.76588-$345.59GOSHEN
72733$3,961.68589-$348.67GATEWAY
72847$3,956.64590-$353.71LONDON
72682$3,955.26591-$355.09VALLEY SPRINGS
72801$3,950.72592-$359.63RUSSELLVILLE
72758$3,948.67593-$361.68ROGERS
72949$3,948.34594-$362.01OZARK
72821$3,947.99595-$362.36ALTUS
72636$3,947.30596-$363.05GILBERT
72712$3,946.77597-$363.58BENTONVILLE
72747$3,945.68598-$364.67MAYSVILLE
72943$3,942.79599-$367.56MAGAZINE
72820$3,938.24600-$372.11ALIX
72839$3,937.26601-$373.09HAGARVILLE
72601$3,932.87602-$377.48HARRISON
72642$3,931.86603-$378.49LAKEVIEW
72644$3,931.50604-$378.85LEAD HILL
72830$3,930.46605-$379.89CLARKSVILLE
72661$3,930.02606-$380.33OAKLAND
72719$3,929.68607-$380.67CENTERTON
72832$3,929.25608-$381.10COAL HILL
72745$3,921.21609-$389.14LOWELL
72840$3,918.96610-$391.39HARTMAN
72941$3,917.45611-$392.90LAVACA
72951$3,916.23612-$394.12RATCLIFF
72658$3,915.02613-$395.33NORFORK
72768$3,911.90614-$398.45SULPHUR SPRINGS
72633$3,909.12615-$401.23EVERTON
72653$3,908.72616-$401.63MOUNTAIN HOME
72635$3,906.40617-$403.95GASSVILLE
72761$3,899.87618-$410.48SILOAM SPRINGS
72619$3,887.16619-$423.19BULL SHOALS
72634$3,873.45620-$436.90FLIPPIN
72687$3,866.44621-$443.91YELLVILLE
72626$3,838.69622-$471.66COTTER

Usually, we choose a car insurance carrier on the basis of auto premium quotes, without much thought to the insurers’ reputation in the market. Factors, such as financial ratings, consumer complaints, claims satisfaction history, are rarely considered by consumers before buying insurance.

Do remember that in the event of an unfortunate accident, how well your insurer handles the claims settlement process from the first notice of loss (FNOL) to the final settlement depends on these above-mentioned factors.

Don’t worry, we have done the necessary research for you!

In the next few sections, we would talk about these factors and provide facts about each insurance carrier in your state to help you make an informed decision.

– Financial Ratings of Leading Insurance Carriers in Arkansas

The financial strength of your insurance provider determines whether they would be able to settle a claim in case you’re involved in an accident. On the macro level, rating organizations assess the balance sheet of insurers to ensure the long-term financial viability of their operations.

Leading Insurance ProvidersA.M. Best Rating
State Farm GroupA++
Southern Farm Bureau Casualty GroupA+
Shelter Insurance GroupA
Allstate Insurance GroupA+
Progressive GroupA+
GeicoA++
USAA GroupA++
Liberty Mutual GroupA
Farmers Insurance GroupA
Nationwide Corp GroupA+

Before buying an insurance policy, checking the A.M. Best Rating would give you some peace of mind for later. A.M. ratings of A+ to B mean superior to fair financial strength and anything below B isn’t financially viable, ranging from marginal to poor.

– Customer Satisfaction Rating of Insurance Providers in Arkansas

Customer satisfaction surveys are the true indicator of a company’s services. Financial ratings might not always be accurate, but customer ratings would tell you if an insurer acknowledges its obligations when a claim is filed.

J.D. Power recently conducted a customer satisfaction survey to assess the overall perception of car insurance customers about insurance companies. In their 2018 survey, they found that consumer satisfaction has improved considerably in the US.

In the image, you can see the satisfaction level of customers for the auto insurers in the Southeast region. Among these, Farm Bureau Insurance – Tennessee received the best satisfaction rating.

Insurance in the digital era – Customers these days rate insurers on the basis of their digital interaction, omnichannel presence, transparency in premium hikes, usage-based insurance adoption etc. It’s not about just cost anymore.

– Leading Car Insurance Companies in Arkansas (By Market Share)

Insurance CompanyDirect Written PremiumsLoss RatioMarket Share
State Farm Group$500,19566.99%25.69%
Southern Farm Bureau Casualty Group$248,79269.46%12.78%
Shelter Insurance Group$167,42467.43%8.60%
Allstate Insurance Group$141,05347.21%7.24%
Progressive Group$139,85558.71%7.18%
Geico$109,94070.69%5.65%
USAA Group$92,07173.14%4.73%
Liberty Mutual Group$80,24561.30%4.12%
Farmers Insurance Group$79,77652.42%4.10%
Nationwide Corp Group$57,50651.80%2.95%

– Cheapest Arkansas’s Car Insurance Rates by Provider

Now that you’re aware of the leading insurance providers in Arkansas, you must be curious about the average premiums charged by providers in the state.

Insurance CompanyAverage (Annual)Compared to State Average (-/+)Percentage Change (-/+)
Allstate P&C$5,150.03$1,038.3320.16%
Farmers Ins Co$4,257.88$146.183.43%
Geico General$3,484.63-$627.07-18.00%
Safeco Ins Co of IL$4,005.48-$106.22-2.65%
Nationwide Mutual$3,861.78-$249.92-6.47%
Progressive NorthWestern$5,312.09$1,200.3922.60%
State Farm Mutual Auto$2,789.02-$1,322.68-47.42%
Travelers Home & Marine Ins Co$5,973.33$1,861.6331.17%
USAA$2,171.05-$1,940.65-89.39%

– Best Arkansas’s Average Annual Premiums by Commute Rate

Do you know why your insurance company always asks – how many miles do you drive on an average?

Since you get a slew of questions from your insurance agent, you might not know the relevance of each one. In usage-based insurance, the miles driven by you is taken into consideration to offer better rates. As you drive more every day, you’re exposed to more dangerous drivers and accidents, hence the higher quote.

Insurance CompanyCommute and Annual MileageAnnual Premiums
Travelers10 miles commute. 6000 annual mileage.$5,973.33
Travelers25 miles commute. 12000 annual mileage.$5,973.33
Progressive10 miles commute. 6000 annual mileage.$5,312.09
Progressive25 miles commute. 12000 annual mileage.$5,312.09
Allstate10 miles commute. 6000 annual mileage.$5,150.03
Allstate25 miles commute. 12000 annual mileage.$5,150.03
Farmers10 miles commute. 6000 annual mileage.$4,257.87
Farmers25 miles commute. 12000 annual mileage.$4,257.87
Liberty Mutual10 miles commute. 6000 annual mileage.$4,005.48
Liberty Mutual25 miles commute. 12000 annual mileage.$4,005.48
Nationwide10 miles commute. 6000 annual mileage.$3,861.78
Nationwide25 miles commute. 12000 annual mileage.$3,861.78
Geico25 miles commute. 12000 annual mileage.$3,508.22
Geico10 miles commute. 6000 annual mileage.$3,461.03
State Farm25 miles commute. 12000 annual mileage.$2,856.08
State Farm10 miles commute. 6000 annual mileage.$2,721.97
USAA25 miles commute. 12000 annual mileage.$2,232.91
USAA10 miles commute. 6000 annual mileage.$2,109.20

Apart from Geico, State Farm, and USAA, insurance providers are charging the same rate for different mileages in Arkansas. Nevertheless, you can always ask your provider to offer you discounts based on your usage.

– Car Insurance Rates by Coverage Level in Arkansas

Insurance CompanyCoverage LevelAnnual Average Premiums
TravelersHigh$6,245.09
TravelersMedium$5,989.75
ProgressiveHigh$5,831.14
TravelersLow$5,685.15
AllstateHigh$5,296.98
ProgressiveMedium$5,221.81
AllstateMedium$5,146.99
AllstateLow$5,006.12
ProgressiveLow$4,883.32
FarmersHigh$4,509.37
FarmersMedium$4,214.22
Liberty MutualHigh$4,170.01
FarmersLow$4,050.03
Liberty MutualMedium$3,977.85
NationwideHigh$3,915.62
NationwideLow$3,886.60
Liberty MutualLow$3,868.57
NationwideMedium$3,783.13
GeicoHigh$3,628.49
GeicoMedium$3,483.60
GeicoLow$3,341.79
State FarmHigh$2,927.56
State FarmMedium$2,786.42
State FarmLow$2,653.10
USAAHigh$2,268.89
USAAMedium$2,163.34
USAALow$2,080.93

– Car Insurance Rates by Credit History in Arkansas

Insurance CompanyCredit HistoryAnnual Premiums
TravelersPoor$6,854.36
TravelersFair$5,719.88
TravelersGood$5,345.75
AllstatePoor$6,472.14
AllstateFair$4,957.59
AllstateGood$4,020.37
ProgressivePoor$6,026.44
ProgressiveFair$5,135.36
ProgressiveGood$4,774.48
NationwidePoor$4,566.24
NationwideFair$3,673.03
NationwideGood$3,346.08
FarmersPoor$4,845.12
FarmersFair$4,060.17
FarmersGood$3,868.33
Liberty MutualPoor$5,786.43
Liberty MutualFair$3,493.43
Liberty MutualGood$2,736.58
GeicoPoor$4,174.77
GeicoFair$3,431.81
GeicoGood$2,847.29
USAAPoor$2,875.86
USAAFair$1,963.67
USAAGood$1,673.63
State FarmPoor$4,040.73
State FarmFair$2,432.50
State FarmGood$1,893.84

As you can see in the table, car insurance rates vary significantly when your credit history changes from good to poor. Improving your credit score can be one of the ways to reduce your auto premiums.

As per Experian’s State of Credit survey in 2017, Arkansas was among the ten states with the lowest credit ratings at a vantage score of 657.

Vantage score is calculated based on your credit payment history to determine the ability to pay-off debts on time.

Vantage score range

In the image below, you can see the states with the lowest vantage scores in blue color and the states with the highest vantage scores in purple color.

Vantage score by states

– Car Insurance Premiums by Driving History in Arkansas

Insurance CompanyDriving RecordAnnual Average Premiums
TravelersWith 1 DUI$7,570.08
TravelersWith 1 speeding violation$6,145.34
TravelersWith 1 accident$5,171.93
TravelersClean record$5,005.97
ProgressiveWith 1 DUI$4,812.78
ProgressiveWith 1 speeding violation$5,496.11
ProgressiveWith 1 accident$6,359.88
ProgressiveClean record$4,579.61
AllstateWith 1 DUI$5,933.45
AllstateWith 1 speeding violation$5,074.04
AllstateWith 1 accident$5,344.99
AllstateClean record$4,247.65
GeicoWith 1 DUI$5,408.92
GeicoWith 1 speeding violation$2,541.89
GeicoWith 1 accident$3,625.74
GeicoClean Record$2,361.95
Liberty MutualWith 1 DUI$5,189.50
Liberty MutualWith 1 speeding violation$3,668.24
Liberty MutualWith 1 accident$4,435.22
Liberty MutualClean record$2,728.95
FarmersWith 1 DUI$4,504.91
FarmersWith 1 speeding violation$4,315.87
FarmersWith 1 accident$4,611.04
FarmersClean record$3,599.68
NationwideWith 1 DUI$5,255.42
NationwideWith 1 speeding violation$3,306.76
NationwideWith 1 accident$3,881.91
NationwideClean record$3,003.05
State FarmWith 1 DUI$2,789.02
State FarmWith 1 speeding violation$2,789.02
State FarmWith 1 accident$3,016.88
State FarmClean record$2,561.18
USAAWith 1 DUI$3,050.64
USAAWith 1 speeding violation$1,850.74
USAAWith 1 accident$2,115.02
USAAClean record$1,667.81

A clean record can definitely get you the cheapest rate from all insurance providers, what’s worth noting from the table is the impact of driving under the influence (of alcohol/other drugs) on premiums.

One incidence of DUI can raise your rates significantly and is considered more severe than speeding violations and accidents.

– Number of Insurers in Arkansas

Type of InsurerNumber
Domestic12
Foreign887

State Laws in Arkansas

Now that you have come this far in the article, you should read a bit about the state laws that aid people in driving safely.

We want to specifically focus on state laws because law-abiding citizens get into fewer accidents, and that can really save you a lot in insurance rates as well as unnecessary headaches.

Wherever you drive in Arkansas, just make sure that you follow the posted speed limits, licensing procedures, safety belt usage, mobile phone usage laws etc.

If you feel that’s a lot to grasp, we have collated everything succinctly for you.

– Car Insurance Laws

In Arkansas, the Office of Motor Vehicle (OMV) and the Driver Services (ODS) are the departments responsible for all your vehicle and driver-related requirements. Road tests are administered by the state police of Arkansas.

OMV and ODS are under the Arkansas Department of Finance and Administration (DFA), so you need to find offices of DFA for all your licensing and auto registration needs.

Proof of Insurance Coverage

The state law in Arkansas requires motorists to provide a proof of insurance when stopped by traffic police or requested by the DFA. The most common proof is the ID card issued by your insurance company.

Do remember: The DFA maintains an electronic database to verify the car insurance status of vehicles. Apart from running a monthly check for registered vehicles, they also check for coverage status when you try to register a vehicle.

– High-Risk Car Insurance in Arkansas

Speeding violations, DUI and multiple accidents can prompt insurance companies to consider you a high-risk driver. And, by law, they have the right to refuse you insurance coverage.

What can you do in such a situation?

If you have been refused coverage by every other insurer, you can turn to the Arkansas Automobile Insurance Plan. The state allows you to apply to the plan through any car insurance agent and all insurers are required to participate in this plan.

How does the Arkansas Automobile Insurance Plan work?

Since all insurers must participate in this program, the plan fairly distributes the losses amongst the car insurers (who are licensed to operate in the state) that arises from insuring high-risk drivers. Once you apply to the plan, you will be assigned an insurer to whom you would have to pay the premiums.

Here’s a short video with advice on how to get cheap insurance for high-risk drivers.

– Windshield Coverage and Glass Repair Laws in Arkansas

There is no special mention of glass or windshield in the laws of Arkansas related to chips or cracks.

As per the 2010 Arkansas code (§ 27-37-302) – “No person shall drive any motor vehicle with any sign, poster, or other nontransparent material upon the front windshield, side wings, side, or rear windows of the vehicle other than a certificate or other paper required to be so displayed by law if it obstructs the operator’s view or the safe operation of the vehicle”.

– Automobile Insurance Fraud in Arkansas

A loss claim is considered an insurance fraud under two circumstances – when the accident for which a loss is being claimed didn’t occur and when the amount of loss is much lower than actually claimed. Selling bogus insurance policies are also considered insurance fraud.

Insurance Fraud in ArkansasClassification (Yes/No)
Is insurance fraud considered a crime?Yes
Are there any immunity statutes?Yes
Is there a Fraud Bureau?Yes
Is there a mandatory insurer fraud plan?Yes
Does the state require an auto photo inspection?No

Penalties: As per Arkansas’s insurance fraud laws, insurance fraud is considered a Class D felony with jail time of up to six years, and/or fines to the extent of $10,000.

Mandatory Reporting: An insurance company is bound by law to report any fraudulent activity that they come to know of to the insurance commissioner, and the failure to do so would be considered a Class A misdemeanor.

– The Statute of Limitations in Arkansas

If you’re injured in an accident or your property was damaged, there’s a deadline by which you can file a lawsuit or file a claim.

Statute of LimitationsYear
Personal Injury3 Years
Property Damage3 Years

– Vehicle Licensing Laws in Arkansas

For those who miss renewing their insurance policy, there’s a high probability that the state would send a notice about your coverage status even if you’re not stopped by the traffic police. The DFA runs regular checks on all registered vehicles.

– Penalties for Driving Without Insurance

If you don’t comply with Arkansas’s laws for insurance coverage, you would have to face penalties and jail time.

  • First Offense: If caught driving without coverage for the first time, the penalty ranges from $50 to $250. In addition, the traffic policy might handover a temporary sticker in place of the number plates and ask the motorist to show proof of insurance within 10 days.
  • Second Offense: Driving without insurance for the second time leads to a more severe financial penalty, ranging from $250 to $500. Similar to the first offense, the traffic enforcer might take your number plates and ask for proof of insurance within 10 days.
  • Third and Any Subsequent Offenses: A third offense leads to fines in the range of $500 to $1,000, along with imprisonment of one year.

The state also suspends the vehicle registration if a motorist is unable to show proof of insurance within the stipulated time.

– Teen Driver Laws in Arkansas

Keeping an eye on the teen driving laws of your state is important for the safety of your kids and others on the road.

Type of LicenseMinimum AgeAccompanied PassengersCellphone UsageMandatory Holding Period
Learner's License14Only allowed to drive with a licensed driverNot Allowed, unless there's an emergency6 months
Intermediate License16Drive with an adult for the first six months, or till the age of 18Not Allowed, unless there's an emergency1 year
Unrestricted License18Can drive aloneNot allowed to use till the age of 21, unless there's an emergencyNone

Apart from the above restrictions, young drivers aren’t allowed to drive between 11 PM to 4 AM until they turn 18 because of the obvious risks involved with nighttime driving.

If you want to know which cars are the safest for your kids, do watch this quick video.

– License Renewal Procedures in Arkansas

The license renewal procedures are pretty simple in Arkansas.

Age GroupLicense Renewal Cycle
General Population8 years
Older PopulationFor people who are older than 70, there's an option to renew either after 4 or 8 years

Proof of adequate vision is required at each renewal for everyone. However, renewals by mail or online renewals are not allowed in Arkansas.

– Arkansas Rules of the Road

If you want to drive without accumulating any points on your license, you should be aware of the rules in your state.

– Fault vs. No-Fault

Arkansas is an add-on state when it comes to no-fault car insurance laws. Motorists in Arkansas are required to buy minimum liability coverage, but also have the choice to buy first-party, no-fault insurance coverage.

In the event of an accident, if you buy a no-fault coverage, your insuer would cover your damages, irrespective of who was at fault. The benefits also cover your damages if you were driving/riding in someone else’s car.

– Keep Right and Move Over Laws in Arkansas

Arkansas Code 27-51-301 The law in Arkansas states that vehicles can’t be driven on the left lane except when they have to pass others (unless the right lane is undergoing repair work or is closed or if there’s an exit from the left lane).

Quite recently, the state invested on new signs to be placed on roads asking slower traffic to keep right.

Move Over Laws – In 2013, a new law was passed in Arkansas requiring motorists to move over to the furthest lane for vehicles of the Arkansas State Highway and Transportation Department and their contractors as well apart from the emergency vehicles.

– Speed Limits in Arkansas

The speed limits across rural interstates, urban interstates, and other limited access roads in Arkansas is 75 mph. The speed can be raised to 75 mph on controlled-access highways if it’s based on engineering and traffic studies.

– Seat Belt and Car Seat Laws in Arkansas

The laws in Arkansas require drivers and front-seat passengers to wear safety belts. Though all front-seat occupants should wear seat belts, traffic police can’t stop a vehicle merely on the basis of a seat belt violation.

Car Seat Laws – All children below the age of six or 60 lbs should be put inside a child-restraint system, while anyone below 15 should be buckled up irrespective of where they are sitting in the car.

– Pickup Trucks (Riding in Cargo Areas Rule)

As per federal standards, occupant compartments and beds of pick up trucks serve different purposes and most of the time the cargo area isn’t safe for passengers. Around 30 states and the District of Columbia have implemented laws to address the hazards of passengers riding in cargo compartments.

In Arkansas also, there’s a restriction on passengers riding in cargo areas, except when the passengers are employees on duty. This provision prohibits people from riding on fenders, hoods, or other places that aren’t meant for people.

– Ridesharing Laws in Arkansas

With ridesharing apps becoming all the rage these days, new state laws are being implemented across the US to ensure the safety of drivers and riders. In Arkansas, both Uber and Lyft have the necessary permits to operate.

However, there are certain laws that ridesharing companies need to follow:

  • Ridesharing companies need to obtain a permit from the Arkansas Public Service Commission to establish their operations in the state.
  • These companies must maintain minimum liability insurance of at least $1 million to cover death, personal injury, and property damage while the driver is engaged in a ride through the app.

The law also regulates few other safety measures such as – drivers must be 19 years old, maintain liability coverage, drive vehicles that have cleared safety checks, and pick passengers engaged only through an online medium.

– Automation on the Road in Arkansas

Automated vehicles are slowly and steadily making an inroad in our lives to ease the effort involved in driving and for better traffic management. Resultantly, many states are allowing automakers to test self-driven cars on their roads and highways.

Till now, Arkansas hadn’t allowed testing of automated vehicles on its roads.

But, the Arkansas Senate finally approved the testing of driverless vehicles on its state roads and highways which is expected to become a law soon. Signing this law would make Arkansas the 30th state to allow automated vehicles on its roads.

Arkansas is already among the 19 states that regulate platooning technology, which enable groups of large-sized trucks to move together on roads with previously set distances at a mandated speed.

– Safety Laws in Arkansas

There are many factors that lead to unfortunate accidents on roads, with driving under the influence of alcohol and other substances being frowned upon the most.

– DUI Laws in Arkansas

BAC Limit0.08
Criminal Status by Offense4th+ within 5 years is a felony (otherwise unclassified)
Formal Name for OffenseDriving while intoxicated
Look Back Period5 years

The look-back period in the table is the number of years a DUI offense stays on your record.

– Distracted Driving Laws in Arkansas

Mobile phones lead to around 15 percent fatalities each year in the US, hence it’s best to stay focused on the road while driving.

  • Use of hand-held devices for voice calls while driving: If you’re under 21, you aren’t allowed to use a hand-held device at all while driving. If you’re over 21, you are allowed to talk using a mobile phone.
  • Texting while driving: Texting is prohibited for all drivers in Arkansas while driving.
  • School and highway work zones: Laws in Arkansas prohibit all mobile phone usage during school hours and when highway work is underway.

Arkansas Can’t-Miss Facts

You have gone through everything in this guide that would help you to stay safe on the road and buy necessary coverage so that you don’t have to worry about medical or property damage expenses if you happen to be involved in an accident.

In this last section, we would share some facts about Arkansas’s vehicle theft and fatalities rate which might influence rates in some counties and cities.

– Vehicle Theft in Arkansas

Which cars are mostly stolen in Arkansas? Seems like Chevrolet is the brand of vehicle most commonly stolen.

Vehicle Make & ModelNumber of Stolen Vehicles
Chevrolet Pickup (Full Size)402
Ford Pickup (Full Size)252
GMC Pickup (Full Size)174
Dodge Pickup (Full Size)127
Honda Accord122
Nissan Altima89
Toyota Camry82
Chevrolet Impala76
Chevrolet Malibu72
Chevrolet Tahoe68

In case you wish to know how many cars were stolen in your city, search in this table. Being the most populated city in the natural state, the number of vehicle thefts was highest in Little Rock.

CityNumber of thefts
Arkadelphia10
Ashdown2
Ash Flat1
Atkins7
Bald Knob9
Barling7
Bay0
Bearden3
Beebe21
Bella Vista5
Benton81
Bentonville12
Berryville8
Blytheville51
Booneville5
Bradford0
Brinkley3
Brookland5
Bryant33
Bull Shoals1
Cabot44
Caddo Valley1
Camden10
Cammack Village0
Caraway0
Carlisle2
Cave City5
Cave Springs0
Centerton1
Charleston0
Cherokee Village2
Clarendon1
Clarksville5
Clinton8
Conway108
Corning2
Cotter0
Crossett7
Danville1
Dardanelle10
Decatur0
De Queen13
Dermott0
Des Arc1
De Witt4
Diaz2
Dover1
Dumas5
Earle2
El Dorado53
England4
Eudora5
Fairfield Bay2
Farmington2
Fayetteville160
Flippin0
Fordyce5
Forrest City27
Fort Smith199
Gassville2
Gentry0
Glenwood1
Gosnell2
Gravette3
Greenbrier1
Green Forest3
Greenland1
Greenwood1
Greers Ferry3
Gurdon0
Hamburg0
Hampton0
Hardy3
Harrisburg0
Harrison22
Heber Springs14
Helena-West Helena13
Highfill0
Highland0
Hope18
Hot Springs166
Hoxie3
Jacksonville69
Jonesboro86
Kensett4
Lake City2
Lakeview0
Lake Village3
Lamar1
Leachville2
Lepanto2
Lincoln1
Little Rock1,080
Lonoke2
Lowell9
Magnolia8
Malvern2
Marianna4
Marion17
Marmaduke2
Marvell1
Maumelle13
Mayflower8
McCrory0
McGehee2
McRae0
Mena6
Mineral Springs0
Monette0
Monticello21
Morrilton6
Mountain Home14
Mountain View2
Mulberry0
Murfreesboro0
Nashville2
Newport13
North Little Rock275
Ola0
Osceola13
Ozark5
Pangburn1
Paragould136
Paris12
Pea Ridge1
Perryville0
Piggott1
Plummerville0
Pottsville3
Prairie Grove1
Quitman0
Redfield0
Rison2
Rogers31
Russellville91
Salem0
Sheridan4
Sherwood66
Siloam Springs13
Springdale122
Stamps2
Star City0
Stuttgart19
Swifton1
Texarkana58
Trumann12
Van Buren27
Vilonia3
Waldron4
Walnut Ridge1
Ward5
Warren2
White Hall6
Wynne6

– Fatalities on Road in Arkansas

Being aware of the common causes of accidents and fatality rates in your state helps you to stay safer while driving.

– Traffic Fatalities by Road Type in Arkansas

Road Type2008200920102011201220132014201520162017
Rural443471451426435367357387366327
Urban157125120125125131113163195166

– Traffic Fatalities by Person Type in Arkansas

Who were the people hurt in these accidents? Were they passengers, pedestrians or motorcyclists?

Person Type 20132014201520162017
OccupantsPassenger Car166156181184164
Light Truck - Pickup861019010997
Light Truck - Utility8274918272
Light Truck - Van1817272214
Light Truck - Other00034
Large Truck169181127
Bus00600
Other/Unknown Occupants13810144
Total Occupants381365423425382
MotorcyclistsTotal Motorcyclists6361808265
NonoccupantsPedestrian4637444942
Bicyclist and Other Cyclist47333
Other/Unknown Nonoccupants40021
Total Nonoccupants5444475446
Total498470550561493

– Traffic Fatalities by Crash Type in Arkansas

What led to the crash? Was it speeding or a rollover?

Crash Type20132014201520162017
Total Fatalities (All Crashes)498470550561493
Single Vehicle311255282313275
Involving a Large Truck8378706984
Involving Speeding735692118116
Involving a Rollover133140166182155
Involving a Roadway Departure333311362366331
Involving an Intersection (or Intersection Related)8777848552

– Traffic Fatalities for the Top Ten Counties of Arkansas

Arkansas Counties by 2017 Ranking20132014201520162017
Pulaski County5940534351
Washington County1619223421
Miller County96111018
Craighead County1412171817
Faulkner County1414141516
Jefferson County101691115
Benton County1813253014
Garland County2118263113
Hot Spring County1317171513
Sebastian County10561512
Top Ten Counties205184221236190
All Other Counties293286329325303
All Counties498470550561493

– Teen Drunk Driving Stats in Arkansas

In 2016, 44 teens were arrested for driving under the influence (of alcohol) in Arkansas. The alcohol-impaired driving fatalities rate for those under the age of 21 per 100,000 people was around the national average of 1.2.

– EMS Response Time

How soon does the emergency medical service reach you on the accident site can also impact the chances of survival in a fatal crash.

TypeTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural6.0813.9442.2760.84
Urban3.846.7828.0539.70

– Transportation

Traffic congestions and accidents happen more in cities with a higher number of vehicles on roads.

On average, residents in Arkansas own two vehicles. In the image below, you can see the national averages as compared to Arkansas for the number of cars owned by residents.

Car Ownership in Arkansas

– Commute Time in Arkansas

The average commute time in Arkansas is 20.5 minutes which is quite lower than the national average of 25.3 minutes.

Commute Time in Arkansas

– Commuter Transporation in Arkansas

Around 83 percent of the commuters prefer to drive alone in Arkansas which is close to the national average of 76 percent.

Commuter Transportation in Arkansas

Now that you know everything about car insurance in Arkansas, let’s get you started with our FREE online rates comparison tool.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]