Arkansas Car Insurance Calculator
Calculate your auto insurance cost in Arkansas. Compare with state averages and find savings.
$1,562
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$130
Full Coverage
$2,034
Min Coverage
$548
Uninsured Rate
14.1%
Arkansas Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredYes ($5,000 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Arkansas
PIP requirementRural roadsSevere weather claims
Major Metro Areas in Arkansas
Little RockFort SmithFayettevilleSpringdaleJonesboro
FAQ
Arkansas Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Arkansas
The average annual car insurance premium in Arkansas is $1,562, or about $130 per month. Full coverage averages $2,034 annually, while minimum coverage averages $548. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Arkansas requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Arkansas also requires Personal Injury Protection (PIP) with a minimum of $5,000.
Key factors affecting Arkansas car insurance rates include: PIP requirement, Rural roads, Severe weather claims. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 14.1% of drivers in Arkansas are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Arkansas car insurance: 1) Compare quotes from multiple insurers like State Farm, Shelter Insurance, GEICO. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Arkansas include: State Farm, Shelter Insurance, GEICO, Progressive, Allstate. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
AR Insurance Costs
Average premiums in Arkansas:
- Annual Average$1,562
- Monthly Average$130
- Full Coverage$2,034
- Minimum Coverage$548
AR Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate14.1%
Top AR Insurers
Popular insurance companies:
- •State Farm
- •Shelter Insurance
- •GEICO
- •Progressive
- •Allstate