Arkansas Car Insurance FAQ - Quick Answers

The annual average cost of car insurance in Arkansas is $1,239, which is slightly lower than the national figure of $1,311 per year. For exact pricing on your Arkansas car insurance, get multiple quotes through a trusted adviser.

Arkansas has standard limits of protection for your car insurance and the most commonly used are:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.

In Arkansas, the driver who caused the accident is responsible for the loss. Each road warrior is required to carry the state minimum liability limits in the following amounts or more:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability 

There are currently 16.6% of Arkansas drivers that are uninsured. This puts you and your family at a greater risk when traveling. Fortunately, you can add uninsured motorist coverage to help pay for any damage or injury due to an uninsured driver. 

If you're looking for the best car insurance companies in the area, you should start with the most used. In Arkansas, Progressive, Safeco, and Prime insurance companies are highly rated. This is due to exceptional customer service and broad coverage selection. 

Do You Know What Your Arkansas Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Annual insurance cost
Benton23.4$1,485
Bentonville17.0$1,162
Conway20.4$1,250
Fayetteville19.0$1,512
Fort Smith16.1$1,396
Hot Springs17.8$1,591
Jonesboro18.4$1,386
Little Rock18.6$1,614
Pine Bluff17.6$1,584
Rogers16.5$1,235
Russellville14.9$1,289
Sherwood22.3$1,349
Springdale18.8$1,486
Texarkana16.5$1,278

Bodily Injury Requirements in Arkansas

Bodily injury liability insurance helps pay for another party's medical bills due to an at-fault accident. In Arkansas, you'll be required to carry $25,000 per person and $50,000 per accident in bodily injury liability coverage.

Most of the time, insureds choose higher limits than the state minimums for enough protection. If you're found without proper coverage you could be penalized with fines or worse. 

Property Damage Requirements in Arkansas

You will be required to have property damage liability under your auto policy in Arkansas. This coverage helps pay for damage to another person's property due to an at-fault accident. 

State law requires every driver to have the minimum limits of protection. In Arkansas, you'll need at least $25,000 in property damage liability insurance.

Personal Injury Protection Requirements in Arkansas

You won't be required to carry personal injury protection in Arkansas. However, medical payments coverage is a different story. Medical payments can help pay for your medical expenses when you're in an accident, and is optional.

Contrary to popular belief, you're not covered for injuries that you sustain from an at-fault accident without medical payments insurance. This could put a dent in your finances if you're not properly insured.

Uninsured Motorist Coverage in Arkansas

In Arkansas, uninsured motorist coverage is not a requirement by law, but it's vital if you want the right protection. It helps pay for damage or injury from an accident involving an uninsured driver. 

Just because car insurance is mandatory in Arkansas, it doesn't mean everyone listens. There are 16.6% of all drivers in Arkansas that are uninsured. That leaves you open to risk if you're without uninsured motorist coverage.

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Optional Car Coverage in Arkansas

If you want full coverage in Arkansas, you'll need more than just liability protection. Collision insurance and comprehensive insurance will help pay for damage to your car that occurs from an accident. It pays for your loss instead of only the other party's.

You can also add rental car insurance that reimburses for a replacement vehicle when you have a covered claim. Adding roadside assistance can help you if you're stranded on the side of the road and need a tow or tire change.

Car Insurance Discounts to Consider in Arkansas

There are numerous ways to obtain a discount on insurance in Arkansas. One of the easiest is to have more than one policy with a carrier for savings of 30% or more in most cases.

If you're a member of a teachers union or government agency, insurance companies often give a discount. Another way to cut costs is by remaining with the same carrier each year for a loyalty discount. 

How to File a Car Insurance Claim in Arkansas

Filing a car insurance claim can be confusing, especially when you're already overwhelmed with an accident. Follow these easy steps to report a car insurance claim in Arkansas.

First, you'll want to get to a safe place and tend to any injuries. Next, contact your independent insurance agent to report the loss. Third, obtain your claim number and a rental vehicle if necessary. Last, speak with your adjuster and collect payment.