Popular QuestionsPopular Questions about Car Insurance in Arkansas

How much does Arkansas car insurance cost? $1,239

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. 

What can Arkansas car insurance do for me?

Accidents can happen in the blink of an eye. If you are at fault, you can be held liable for the cost to repair other people’s damaged property as well as for the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause you a great deal of financial harm.

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.

Pay to repair your own car

  • Comprehensive insurance covers other-than-collision damage to your vehicle. Collision insurance covers collision related damage to your vehicle, regardless of fault.
  • Collision and comprehensive insurance are optional by law, however these coverage types are nearly always required by lenders if you are still paying for your car and by dealerships if you are leasing it.

Pay to repair someone else's car

  • Property damage liability insurance covers property damage you may cause to others if you are responsible for a collision.
  • Property damage liability insurance is required in Arkansas.
  • Your car insurance policy must include a minimum of $25,000 in property damage liability coverage.

Pay your own medical bills

  • Medical payments insurance, also called personal injury protection, or PIP, is designed to cover your own medical bills if you are in a collision. This insurance can also provide coverage for lost wages.
  • Medical payments insurance is optional in Arkansas.
  • This insurance is important because many health insurance plans will not cover injuries sustained in a motor vehicle accident.

Pay someone else's medical bills

  • Bodily injury liability insurance is designed to cover other people’s injuries and medical care if they are hurt in an accident for which you are responsible.
  • Bodily injury liability insurance is required in Arkansas.
  • All car insurance policies in this state must include a minimum of $25,000 per person / $50,000 per accident worth of bodily injury liability coverage.

… and more!

Most car insurance companies will offer additional coverage options that you can include in your policy. These include such things as:

  • Uninsured / underinsured motorist insurance
  • Towing and roadside assistance
  • Rental car reimbursement
  • Gap insurance
  • Umbrella insurance

Talk to a local independent insurance agent to learn more.

Who pays if the accident wasn’t my fault?

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.

How many Arkansas drivers are uninsured? 16.6%

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.

What is the best car insurance company in Arkansas?

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.

Are there any independent insurance agents in Arkansas?

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.

InformationFind the Best Car Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost:  $1311 / year
  • National average car thefts per 1,000:  2.29
  • National average time spent commuting:  25.4 min
CityAvg. Commute Time (Min)Theft Rate per 1,000 VehiclesAvg. Insurance Cost (Yearly)
Benton24.62.87$1,485
Bentonville15.70.52$1,162
Conway18.21.50$1,250
Fayetteville15.64.94$1,512
Fort Smith16.83.24$1,396
Hot Springs17.15.43$1,591
Jonesboro21.62.18$1,386
Little Rock17.35.62$1,614
North Little Rock18.34.35$1,537
Pine Bluff15.35.52$1,584
Rogers16.11.47$1,235
Russellville14.42.55$1,289
Sherwood20.42.05$1,349
Springdale21.03.30$1,486
Texarkana14.12.51$1,278

Little Rock, AR, Car Insurance

The average monthly cost of car insurance in Little Rock is $135.

Remember, this average only serves as a baseline. Your actual monthly cost could be higher or lower than this amount. Insurance companies will use factors such as your age, gender, and driving record as well as details about the vehicle you are insuring to calculate your personalized quote.

Little Rock sees more motor vehicle collisions than any other city in the state. In 2014 alone, there were 7,335 crashes in this city. Whether you find yourself in a multi-vehicle collision on the Wilbur D. Mills Freeway or you accidently cause a fender bender in the parking lot of your local Kroger, a good car insurance policy can cover your costs once your deductible has been met.

By purchasing a policy that includes collision coverage, you can be sure that damage to your vehicle is covered, even if the accident is your own fault. Talk to an independent agent in Little Rock to learn more about how different coverage options can benefit you.

Fort Smith, AR, Car Insurance

The average monthly cost of auto insurance in Fort Smith is $116.

When calculating your actual rate, insurance companies will use information such as details about your vehicle, your age, your driving record, information about other licensed drivers in your household, and sometimes even your credit score to calculate your quoted price. Because of this, your monthly cost could be significantly higher or lower than the city’s average.

Accidents can happen just about anywhere. From multi-car collisions on high-speed roads like US-71 to fender benders on heavily trafficked corridors like Rogers Avenue, these accidents can prove quite expensive if you are not properly insured. The good news is, when you have a solid, all-inclusive car insurance policy backing you up, you do not have to worry about an accident costing you money beyond your deductible. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if the accident was your fault.

Talk to a local independent insurance agent to learn more about how your various coverage options can help you.

Fayetteville, AR, Car Insurance

The average monthly cost of auto insurance in Fayetteville is $126.

Because your car insurance rates are customized according to your personal details and the type of car you are insuring, your actual monthly cost could be considerably higher or lower than this amount. Drivers with a safe driving history tend to pay a lot less than new drivers or those with moving violations or accidents in their recent history.

Can you imagine walking out of Northwest Arkansas Mall only to find that your car has been stolen? In Fayetteville, where residents reported 430 auto thefts in 2018 alone, this is a valid concern. Fortunately, if your car insurance policy includes comprehensive coverage, you can be reimbursed for your losses following a car theft.

Talk to an independent insurance agent in Fayetteville to learn more about this and other coverage options that are available to you.

Springdale, AR, Car Insurance

The average monthly cost of car insurance in Springdale is $124.

However, you should take this average with a grain of salt. Your actual monthly cost could be higher or lower than this amount since your rate is completely personalized according to factors such as your driving history, vehicle information, deductible amount, and more.

Heavy rains can sometimes bring flash flooding to the area. When this happens cars can be washed away or damaged beyond repair. Fortunately, if your auto policy includes comprehensive insurance, you can be reimbursed for the value of your car. Comprehensive insurance can also cover against other risks like falling objects, auto theft, vandalism, and wind damage.

Consult an independent insurance agent in Springdale to discover how much it will cost you to include comprehensive coverage in your car insurance policy.

Jonesboro, AR, Car Insurance

The average monthly cost of car insurance in Jonesboro is $116.

Of course, this rate is just an average. Your actual monthly cost could be higher or lower depending on a variety of factors such as your driving history and details about the vehicle(s) you wish to insure. Let an independent insurance help you review a variety of customized car insurance quotes so you can find the policy that offers you the best value for your hard-earned money.

Drivers in Jonesboro tend to spend a lot of time on the road. This city has some of the longest commute times in the state. It naturally follows that the more time you spend behind the wheel, the more likely you are to one day be in an accident. Fortunately, when you have a good car insurance policy, you do not need to worry that a collision will cause you unnecessary financial harm.

Find out more about what car insurance can do for you by speaking with an independent agent with an office near you.