Car insurance rates in Arkansas are markedly more expensive in eastern areas of the state, along the Mississippi River. You can see comparable state car insurance rates for every ZIP code mapped below, but even in the most costly cities, you’ll find a big difference in price between insurance companies.
Arkansas state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
Arkansas Car Insurance Rates by ZIP Code & City
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2014 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
You can decide to purchase any one part or all three together; however, if you determine that you don’t want any PIP coverage you must reject it in writing. If you don’t have health insurance, you might want to consider this option.
Discounts for seniors: Arkansas law helps senior drivers save by requiring car insurance companies to give a discount to drivers over 55 who have completed an accident prevention course approved by the state’s Office of Motor Vehicles.
Reasons for cancellation: After a policy has been in effect for over 60 days in Arkansas, an insurer can cancel only due to:
Nonpayment of premium
Fraud/misrepresentation in applying for the policy
Homicide arising out of the use of a motor vehicle
Three separate convictions of speeding and/or reckless driving within the policy period or three months prior to the beginning of the policy period
Notice periods: An Arkansas car insurance carrier must give you a 20-day written notice if it intends to cancel, except for cases of nonpayment, which require only a 10-day written notice. If your policy is not renewed, your auto insurer must give you a 30-day written notice.