Auto Insurance in Arkansas (AR)
Arkansas’s many rural areas and low-density cities help keep car insurance rates low. However, the state suffered serious damage and losses as a result of hurricanes Katrina and Rita, even though it is not located on the water. Consequently, when insurance rates around the country are ranked from most to least expensive, the average rates for car insurance in Arkansas fall around the middle.
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How much insurance do I need in Arkansas?
Arkansas is a tort state, which means that drivers are financially responsible for any bodily injury or property damage incurred in an accident for which they are at fault. Arkansas drivers are also required to carry the following liability insurance:
- At least $25,000 in bodily injury coverage per person and $50,000 per accident
- At least $25,000 in property damage coverage
Most insurance carriers will want you to purchase more liability coverage to protect your assets in the case of significant losses or a lawsuit. Speak to your insurance professional to help you determine how much coverage is right for you.
Insurers in Arkansas are also required to offer underinsured and uninsured motorist coverage, although vehicle owners are not required to purchase them. You may be required to state your rejection of this type of optional coverage in writing.
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Can I get a discount on my auto insurance in AR?
In addition to the usual discounts to safe drivers, Arkansas residents who are college graduates as well as drivers over the age of 55 who have completed a state-approved defensive driving course are eligible for discounts on their insurance rates.
Some companies that offer auto insurance in Arkansas are AAA, AARP, Aflac, AIG, Allstate, Amica, Chubb, Comparison Market, Electric Insurance, Farmers, GMAC Insurance Online, Insurance.com, Liberty Mutual, MetLife Auto, Nationwide, Prudential, Safeco, State Farm, Travelers Insurance, and USAA.
If you have specific questions regarding your state's insurance requirements, contact the Arkansas Office of Motor Vehicles at:
Office of Motor Vehicles
1900 West Seventh Street
Suite 2042
Ragland Building
Little Rock, AR 72201
www.state.ar.us
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*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.
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