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 nearly every ZIP code mapped below, but even in the most costly cities, you’ll find a big difference in price between insurance companies. Enter your ZIP code and gender and choose among six age groups and three coverage levels to get a customized rate for your neighborhood.
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.