Arkansas Car Insurance - Auto Insurance Quote in AR
Arkansas has six national parks, more than 2 million acres of national forests, seven national scenic highways and 50 state parks - let CarInsurance.com get you the right auto insurance protection as you enjoy driving through the state.
| Current average car insurance premium in Arkansas | $1,424.09 |
| Current average car insurance premium U.S. | $1,602.16 |
| Little Rock | $1,431.34 |
| Fort Smith | $1,118.85 |
| Check out our car insurance rates in more Arkansas cities | |
[Let CarInsurance.com help you find affordable auto insurance now.]
It makes sense to stay abreast of Arkansas' insurance rates because they can change month to month, as in most states. Use CarInsurance.com's Average Premium Trend Tool to follow the rates; the arrow indicates the monthly average premium change in Arkansas.
There are 116 insurers who do business in Arkansas, and more than a dozen of them are at your fingertips with ready quotes at CarInsurance.com. All you have to do is use the many tools on this site to help you decide which carrier is perfect for your individual needs. To make it easier, we also show you what the legal insurance requirements are for driving in Arkansas and how much your fellow motorists pay each year.
Arkansas state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 25/50/25 coverage.
Minimum Required Insurance Coverage in Arkansas
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit
The state of Arkansas follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Arkansas does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
There are many choices when picking a carrier at CarInsurance.com. Start by looking at the Minimum State Required package. From there, you can raise your coverage by choosing deductibles and limits customized just for you. If you prefer discussing the choices, CarInsurance.com's insurance agents (all licensed in Arkansas) can answer questions and guide you.
It's not uncommon for motorists to neglect shopping around because they believe state regulators and insurance companies fix rates. It's true that a single insurance company must offer the same coverage at the same price to those with the same risk profiles. But each company is free to price its policies according to how much risk it is willing to accept. One may not penalize speeders as much as another, for example, and another might offer very different rates to drivers with accidents.
Bottom line: you need to shop around to save money and get the very best coverage.
