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For Auto Insurance Quote Comparisons by state, visit the link shown below.


This page provides concise information that will help Arkansas car owners minimize their premiums on auto insurance.


Scroll down for quotes, rates, providers, state laws, statistics, fast facts, and tips on securing the cheapest auto insurance premium package.



Minimum Liability Coverage

As dictated by Arkansas state law, the minimum required insurance coverage for each owned vehicle is 25/50/25.


That means car owners must purchase at least $25,000 in Personal Injury Protection, $50,000 against death or injury to others, and $25,000 coverage against property damage.




Penalties for Uninsured Drivers

If you get ticketed for driving an uninsured vehicle in the state of Arkansas, you can expect at least a fine and a suspended registration. Subsequent offenses face stiffer penalties.



Auto Insurance Quote Comparisons

Premiums on Arkansas car insurance depend on factors like climate, topography, economy, crime rates, and percentage of uninsured vehicles on the road, among other things.

Individual demographics like the driver's age, gender, marital status and driving record can also effect premium rates.


The Average Annual Premium for Auto Insurance in Arkansas was slightly over $1,545 last year, just a little bit higher than the national average, which was $1,510 at the time.




Lowering the Cost of Car Insurance

Arkansas auto insurance providers offer a variety of special discounts to reward exemplary driving practices.


Among the many available discounts are, to name a few, safe driver discounts, senior citizen discounts, good student discounts, vehicle safety discounts, and multiple policy discounts.


In fact, Arkansas law requires a car insurance discount to drivers over the age of 55, if they successfully complete a state-approved accident prevention course.



Auto Insurance Quote Comparisons

According to recent consumer reports, many Arkansas drivers prefer Encompass, Liberty Mutual, The Hartford, State Farm and 21st Century Insurance.


Other Arkansas drivers prefer smaller, local carriers. Arkansas has many dozen car insurance companies with offices throughout the state.


Just obtain a few free quotes online. Then call five local agents and compare quotes. Remember to ask about their discounts.


Following these simple steps can save you hundreds of dollars every year in the costs of car insurance.




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