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Best Companies in Arkansas for Car Insurance

Here's what you need to know...
  • On average, auto accidents are less in Arkansas than in other states
  • Accident rates by more than 50 percent between 2006 and 2010
  • Arkansas has low liability car insurance requirements when compared to other states

Arkansas is a state with a very low population. Statistics show that accidents are far fewer on the thousands of miles of open roads in Arkansas than in many other states.

In fact, Arkansas is one of the online states in which accident rates are actually declining. statistics released by the Arkansas Police Department have shown a drop in all accidents by more than 50 percent between 2006 and 2010.

Before deciding on which car insurance policy to purchase, it is crucial that you are aware of the auto insurance required by law in the state of Arkansas.

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What are the state requirements for car insurance?

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Arkansas has relatively low minimum liability car insurance requirements, another factor leading to lower car insurance premiums in the state.

Some believe that the minimum liability coverage required by the state is sufficient, however, the drivers prefer to increase their liability cover.

If you do a significant amount of driving in urban areas, then it is recommended that you increase your liability cover to ensure that your insurance will be able to take responsibility for any accident that you may find yourself in.

Remember that increasing liability cover will only minimally increase your insurance premiums, and could save you a massive amount of money if you were ever to be involved in a serious accident in which others are injured.

Current minimum liability cover requirements in Arkansas are:

  • Damage to property – $25 000
  • Personal injury/death for a single person – $25 000
  • Personal injury / death to multiple people – $50 000

Liability car insurance cover is a legal requirement each time you register a car in the state of Arkansas, and you should keep proof of your auto insurance on you at all times, as it may be requested by a police officer at any time.

If you are unable to show proof of car insurance, you will be fined up to $250. If you are stopped on multiple occasions and are consistently proved to be uninsured, you could be arrested and your car could be impounded until the required insurance is purchased.

And the Arkansas DMV takes insurance laws extremely seriously. There were roughly the same amount of insurance law violations leading to fines and arrests in Arkansas in 2010 as there were speeding fines. Driving without insurance in Arkansas is therefore simply not an option, and with the low required insurance premiums, the risk just isn’t worth it!

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Best Arkansas Car Insurance Companies

Now that you are aware of your car insurance requirements and the factors that will affect your insurance premiums, who are the best car insurance companies in Arkansas? This list contains information on the most trusted car insurance companies in the state so that you are better enabled to make an informed choice on your auto insurance.

– 21st Century Insurance

Deemed the 3rd largest car insurance provider in the USA,  21st Century is a popular insurer in Arkansas. They were originally known as 20th Century Insurance when the company was founded in 1928. They offer expedited claims services and multiple customer discounts, making them one of the most cost effective car insurers out there.

In particular, 21st Century is famous for their significant student discount.

The company was sold to Farmer’s Insurance Company in 2009, and remains one of Farmer’s most successful subsidiaries, providing car insurance to over 20 million people across the country.

– AAA Insurance Company

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AAA is well known and respected for its roadway assistance programs and contributions to the automobile and road safety industry, and it is also a trusted auto insurance provider.

AAA offers great benefits to its insurance customers, including travel discounts on airline tickets, rental cars, and hotel rates.

– Amica Mutual

Amica Mutual boasts an impressive 74 percent customer satisfaction rating for its auto insurance in Arkansas. It has one of the best records for any insurance company in the country in terms of fully paid claims and customer satisfaction.

 – GEICO

adobestock_45833671-1600x1600GEICO (Government Employment Insurance Company) was founded in 1936 in Maryland. Despite the name, it does not cover only government employees and their families, although this was the initial aim of the company.

It is one of the highest ranked insurance companies in terms of financial stability.

In addition to motor insurance, GEICO offers motorcycle and home insurance and offers discounted rates for customers who take out multiple policies.

– Shelter

Shelter insurance company was originally well known for its homeowner’s insurance, but it was able to expand thanks to its exceptional customer service and excellent reputation to also offer automobile insurance.

Shelter Insurance is one of the largest insurance companies in the United States, with over 2000 employees and $1.5 million of premiums processed each year.

– USAA

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USAA was founded by a group of US army officers in 1922 because they found difficulty in purchasing auto insurance because they were regarded by insurance companies as high risk.

USAA now provides cover to all former and current enlisted military officers and their families. Although still limited to the military, USAA is an excellent insurer and is well recommended to all military officers in Arkansas.

– West Bend Mutual

West Bend Mutual prides themselves on having great customer service and upstanding company ethical values. They often rank very high in customer satisfaction and provide good quality auto insurance at reasonable rates.

In addition, West Bend Mutual believes in sharing their profits with those less fortunate, and donate millions of dollars to charity each year.

Auto Insurance Ratings in Arkansas

Dollarphotoclub_102323835-1600x1600How do you know if you are getting the best deal on your automobile insurance? Your insurance premiums will be based on a number of factors calculated by your insurance company. The factors that can influence car insurance premiums include your driving record and where you reside.

For example, drivers in rural areas are generally thought to be at lower risk of collisions, and therefore their insurance premiums will be lower than drivers living in urban areas.

Your driving record can also impact your monthly premiums. If you have a record of previous driving regulations, you will have to pay higher insurance premiums. This is also the case if you have been involved in any accidents in the past.

Drivers under the age of 25 have been proven to be at very high risk of being involved in traffic accidents, largely because of concurrent alcohol or substance abuse. Insurance premiums for this age group are therefore higher than for any other age group.

Although this article has given details about some of the best auto insurance companies in Arkansas, the most efficient way to determine which auto insurance company is right for you is to compare quotes from all the auto insurance companies you are interested in.

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