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