Arkansas Auto Insurance

Arkansas drivers have a lot of options when it comes to choosing an auto insurance policy.


This guide:

  • Explains Arkansas car insurance regulations and requirements

  • Describes how the state's insurance rates are decided

  • Helps you save money by letting you compare multiple quotes

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The state's car insurance regulations

Arkansas is a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. The state's auto insurance laws require liability insurance to help cover these expenses.

Like in every other state, there are set liability minimums that apply to each required type of coverage. These are $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $25,000 for any damage that you cause to the other driver's car and/or property. However, insurance experts recommend carrying higher levels of coverage.

The state's auto insurance laws also allow drivers to purchase coverage for some "first party benefits". These include compensation for medical expenses, loss of income and accidental death. They are not large policies, but they do apply to every accident regardless of fault.

Other optional policies include collision, comprehensive, and, more importantly, uninsured and underinsured motorist coverage. Consider carrying as much coverage here as you do in liability.

How the state's auto insurance premiums are set

The price of auto insurance is decided by the behavior of the state's drivers as a whole. Arkansas auto insurance companies take the cost of insuring all drivers (this includes settlements, legal fees, and administrative fees) and divide it among all of the state's drivers.

Of course these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, your location, and the kind of car you drive.

The thing to always remember, is that not all insurers figure their percentages the same way. This means that they will charge different rates on the same driver.

What this means, is that you need to shop around, and compare the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on your policy.

Where to get Arkansas auto insurance quotes.

The following web sites will help you compare multiple quotes: (these links will open in a new window)

  • ComparisonMarket is the easiest and most accurate quotes comparison service, and it is by far the best site to visit when you are looking to save money on top-rated coverage.

Click here for your quote.

  • Netquote is a great service because it allows you to speak with a local agent about your quote, who can help you further tailor your policy according to local requirements - and help you save more money.

  • Geico - Like the gecko says: "15 minutes could save you $300 or more on your auto insurance".

  • Get quotes in your area, using your ZIP code to find local agents. Enter your ZIP below to get a quote from a local provider:

To speed up the process, you might wish to have some information required for an online quote ready before you begin.

More AR car insurance help

For more information on designing a good AR auto insurance policy, see our guide to setting safe and reasonable coverage levels. It contains loads of money-saving tips.

For more specific information (legal stuff) about AR auto insurance regulations, visit the official website of the Arkansas Insurance Department.

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