Hollay Ghadery Last Updated On: July 17, 2023

Find Cheap Auto Insurance in Arkansas Without Skimping on Coverage

Whether you call yourself an Arkansan or an Arkansawyer, you probably need car insurance. But there’s nothing worse than trying to sort out insurance coverage when all you want to do is be outside enjoying the great beauty of the Natural State.

So, save yourself some time and money with this guide to car insurance in Arkansas, because finding affordable car insurance doesn’t have to be like searching for a needle in a haystack—and in the plentiful farmland of Arkansas, we don’t joke about that. 

We’ve got you covered. 

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Table of Contents

How Car Insurance in Arkansas Work

Car insurance in Arkansas works similar to most other states. If you’re going to be driving, you need car insurance in place, and certain minimum amounts of coverage (more on that later). This is to help ensure you and other drivers on the road are protected should anything happen. 

Before we go through the state’s minimum requirements, it helps to know the types of car insurance coverage available to you in Arkansas. 

  • Collision: If you hit another vehicle or an object, this coverage is to repair or replace your vehicle. 
  • Comprehensive: This covers you if you hit something other than another vehicle, like an animal, and if weather or vandalism causes damage to your vehicle, and if it’s stolen. You can think of it like a catch-all for any damage to your vehicle.
  • Bodily Injury Liability: This coverage is for if you cause injury or death to another person while driving. 
  • Property Damage Liability: Similar to the above coverage, but for damage to property (like a home, vehicle, building, etc.). 
  • Uninsured/Underinsured Motorist: If you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough, this helps cover the costs. 
  • Medical Expenses: This helps cover the medical costs for you and your passengers if an accident happens. This is important, because bodily injury liability covers the other driver’s expenses, not your own. 

These are the common types of car insurance coverage available to you, and as long as you’re above the state-required minimum coverage, you can pick and choose which coverage types to add to your policy. 

On top of that, you can add optional riders to your policy to personalize your insurance policy even more. Insurance providers offer different options for riders, but some common types include:

  • Roadside Assistance: If you need a tow, a changed tire, gas, a jump, and more, this helps cover you for any roadside assistance you might need.
  • Rental Reimbursement: If you need to rent a vehicle because yours is being repaired, this helps cover the costs. 
  • Rideshare: If you use your vehicle for Lyft or Uber, this ensures you and your passengers have the protection you need. 

Car insurance is designed to give you peace of mind on the road, which is why insurance policies are so customizable to your needs. By adding what you need and skipping what you don’t, you can create the best Arkansas auto insurance for you and your budget. 

Arkansas State Minimum Car Insurance

Now that we know what car insurance coverage options are available to you in the Toothpick State, it helps to know what you need to have in place before taking your car out for a spin.

The minimum car insurance requirements in Arkansas are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage to others

This means that the above is all you need to legally drive in Arkansas (plus a driver’s license, of course). However, it’s strongly recommended that you hold more than the minimum coverage in place if you can. Accidents can add up quickly, and you want to avoid paying out of pocket whenever possible.

We know that your budget is going to influence what you can and can’t afford to add to your policy, so let’s dive into Arkansas car insurance rates next. 

Arkansas Car Insurance Rates

The cost of car insurance in Arkansas lands solidly at the midpoint of national costs. In fact, the state ranks 27th in terms of U.S. state car insurance costs. The average cost of car insurance in Arkansas is slightly lower than the national average, which is good news for Arkansans.

The average rates are:

  • $1,189 annually for the average driver
  • $622 annually for minimum coverage
  • $3,121 annually to add a young driver to the policy

Your car insurance quote will depend on a number of factors, including your age, gender, zip code, vehicle make and model, driving record, and more. In Arkansas, car insurance providers are also allowed to use your credit score when calculating your premiums.

You can help lower your rates through some tried and true tips, including:

  • Maintain a clean driving record
  • Drive a safe vehicle
  • Install an anti-theft device
  • Improve your credit score 
  • Remove any unnecessary coverage
  • Compare multiple quotes

Plus, by taking advantage of discounts, you can find even more savings. More on that next.

Want to see how much you can expect to pay for car insurance? Get access to free quotes here.

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Car Insurance Discounts in Arkansas

Most insurance providers offer some discounts, although eligibility can vary by provider. This is why it’s so important to shop around for coverage; not only does each provider have their own formula for calculating insurance rates, but they also can offer different discounts. 

Some of the car insurance discounts you can expect to find in Arkansas include:

  • Bundling Policies: By taking out multiple insurance policies with one provider, like home and auto, you can get savings on your premiums.
  • Loyalty: By staying with the same provider for a certain number of years, you can ask for a loyalty discount.
  • Safe Driver: By being claims-free or accident-free for a number of years, you could see savings on your car insurance. Some providers have you use a telematics device to track your driving to earn the discount. 
  • Defensive Driving Course: For new or young drivers, taking a defensive driving course could net you a discount. 

These are just some examples of discounts you’ll see or can ask for. You can even save a few bucks a month just for switching to paperless billing with many providers. Be sure to ask for any discounts you think you might be entitled to, because not all providers will offer them up with your quote.

How to Get Auto Insurance Quotes in Arkansas

Getting a car insurance quote in the Natural State couldn’t be more simple. These days, you can get quotes within minutes online, although you’ll want to do your due diligence and shop around. You can make it even easier on yourself by getting access to free quotes thanks to ConsumerCoverage. 

If you’re not sure how much coverage you need or you want to talk through your options, an insurance agent can help you find a policy that meets your needs. 

Be sure to have your information at the ready so that you can get accurate quotes, fast. You’ll need your driver’s license, VIN, past insurance info, driving record, and average mileage to start. Once you find a quote that meets your needs, you can often have your coverage start that very same day if you need it—once you pay your first premium.

Arkansas Car Insurance Coverage: What You Should Know

Whether you’re heading to see the Razorbacks play or packing the car for a float trip down the river, you need car insurance. Luckily, Arkansas has great car insurance coverage at affordable rates, for standard and non-standard insurance.  

The most important thing you need to know when shopping for car insurance in Arkansas is that comparing quotes can save you money. You may not have a choice about getting car insurance in the Natural State, but you do have options.

ConsumerCoverage can help. Get access to free quotes here, so you can get the peace of mind you and your family need when hitting the road. 

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No junk mail. No spam calls. Free quotes.

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