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What type of insurance do you need?
They understand your risks and will find you the coverage you need.
On average, Arkansas drivers pay approximately $1,239 a year (or $103 a month) for their car insurance. The good news is that this rate is lower than the national average cost of $1,311 per year. Shopping around for the best price has the potential to save you hundreds of dollars a year.
As a vehicle owner in Arkansas, finding a competitively priced policy is easy when you work with a local independent insurance agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you at the most affordable price.
Car insurance in Arkansas includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that a good Arkansas auto insurance may be able to help.Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
Arkansas is an at-fault or tort state. This means that the driver who caused the accident is responsible for covering the cost of damages as well as any necessary medical treatments.
Driving without insurance is illegal in Arkansas. If you are caught, you can face mandatory fines ranging from $50 to $250 for a first offense; $250 to $500 for a second offense, and $500 to $1,000 for a third offense. Drivers convicted of three or more offenses can also face up to one year of incarceration in the county jail.
Despite these penalties, an estimated 16.6% of drivers in this state are operating uninsured vehicles. This can cause headaches for you if one of these uninsured drivers is responsible for a collision with your car.
The at-fault driver is responsible for covering your damage and any needed medical treatments. However, if an uninsured driver simply doesn’t have the money available, you may need to go through expensive and time-consuming lawsuits just to collect a fraction of what is due to you.
That is why uninsured motorist insurance can prove so beneficial. This optional coverage can pay for your vehicle’s repairs and your medical expenses if you are in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver.
In Arkansas, all car insurance companies must offer uninsured/underinsured motorist coverage. If you opt not to purchase it, you must do so in writing.
There is no such thing as a car insurance company that is best for everyone.
The ideal insurance company for one person might not be the best choice for another. For example, a young couple with no children is likely to have different coverage needs than a middle-aged couple with teen drivers in the household. These couples may therefore find that they get the best value by working with different insurance companies.
That is why independent insurance agents compare coverage and prices from a variety of highly rated insurance companies. By comparing policies and prices, they can find the policy that is best for you.
Yes! There are currently 220 independent insurance agents in Arkansas.
These local agents are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an agent near you to get started.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
|City||Commute time (min)||Auto thefts / 1,000||Annual insurance cost|
|North Little Rock||18.3||4.35||$1,537|